Commercial Insurance & Risk Management
The Lacher & Associates commercial team offers proven expertise in helping business owners to manage the risk that threatens their success. Management of risk to your property, liability, income, human resources involves:
- Identification
- Analysis
- Control
- Financing
- Administration
From local entrepreneurs to large regional corporations, Lacher & Associates provides risk management and insurance solutions for clients in various industries including: contractors, manufacturers, food operations, wholesalers and distributors, automotive and metal fabricators. Our commitment to you is to provide service beyond expectation.
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Standard Coverages
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Specialty Lines
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| Property |
Builders Risk |
| Liability |
Professional Liaiblity |
| Business Auto |
Employment Practices Liability |
| Workers Comp |
Directors & Officers Liability |
| Umbrellas |
Fiduciary Liability |
| Commercial Packages |
Pollution Liability |
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Bonds |
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Other |
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Types of Insurance Programs and Risk Financing
Guaranteed Cost - including Dividend and Retention Programs
Loss Sensitive - Retrospective Rating, Large Deductible
Captive
Integrated Risk Management Services
- Extensive Coverage and Risk Analysis
- Workers Compensation Loss Prevention and Loss Control including:
- Certified Safety Committees (establishment, training, and qualifying for credit)
- Back to Work Programs
- Physician Panels
- OSHA-type Inspections
- Claims Reviews
- Business Automobile Loss Prevention and Loss Control, including:
- Review of Current Fleet Safety Management (hiring practices, driver training, vehicle maintenance, drug testing, regulatory compliance)
- Fleet Safety Meetings
- Claims Reviews
- Workers Compensation Carrier Audits & Creative Risk Financing
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