Graham Company has the experience to develop specialized products that fit your needs. Whether you are looking for an alternative risk financing mechanism, insuring a large construction project, making a critical acquisition, structuring coverage to protect your leadership, expanding overseas or dealing with environmental issues, we can develop a solution that is customized for your business and your specific situation.

• Eliminates redundant insurance coverage between multiple contractors
• Ensures a stronger negotiating position than each of the individual contractors on their own
• Results in lower insurance rates, a more efficient plan design, broader coverage provisions, consistency in coverage and higher limits to pay for potential losses
• Provides clearer and more consistent direction regarding Safety and Loss Control
• Single point-of-contact for claims administration significantly reducing the cost of claims
• Widens the pool of available subcontractors

Although captives have been used for decades, many companies have trouble understanding which captive options are available to them and how to evaluate those options. Part of the confusion stems from different types of consultants trying to steer companies into a specific captive product, which may or may not be the best solution for that organization. This can result in the classic “square peg in a round hole” misfit. 

Graham Company is different. We pride ourselves on being a truly independent consultant, with access to domiciles across the United States and the Caribbean. We have the expertise and independence to properly advise, develop, and execute a risk financing and captive strategy that meets your organizations unique needs.

Evaluate Your Needs and Analyze Your Business

Graham will do an analysis on your organization, your insurance program, and your organization’s short- and long-term goals to determine more lucrative ways to finance your risk so that you can benefit from your strong safety culture and claims performance – not just the insurance carriers.

Build and Implement Your Captive Program

Graham’s Risk Financing & Captive Team will walk you through your options and help you determine which risk financing solution is best for your organization. After a recommended captive option is selected, Graham’s Risk Financing & Captive Team will work with domicile regulators, reinsurers, captive managers, attorneys, and actuaries to implement your captive program.

Manage Your Claims and Risk to Increase Performance

Graham’s in-house safety and claims teams are staffed with dozens of highly skilled professionals who focus on a small group of clients so they can understand your business and set up programs that can efficiently reduce losses and increase your captive’s financial performance.

Conduct Strategic Reviews

We work with organizations to evaluate new opportunities to expand and evolve an existing captive program from increasing retentions to adding new lines of coverage or risk exposures to insuring the risks of other similar businesses through strategic reviews.

Educate

Graham has an array of resources to provide education to you on the various types of risk financing solutions and key considerations for each, including captive insurance programs, deductibles, corridors, and retro programs.

Every organization, regardless of industry, has added or expanded their technology integration – so they can be more efficient, give their customers the experience they expect, and grow their business. As a result, every organization is more vulnerable to cyber threats. This is an unfortunate reality many businesses must face: It’s no longer a matter of “if” your business may experience a cyber incident, it’s a matter of “when.” Are you prepared?

In today’s landscape, we’re seeing cybercriminals get more sophisticated, increasing risk for the companies they target. This can damage your reputation, put your customers, clients, and employees at risk, and devastate your balance sheet.

In fact, cyber incidents can be extremely costly: The Poneman Institute’s 2021 data breach report found the average total cost of a data breach in the U.S. is $9.05 million. If your budget does not have room for an unexpected expense of this magnitude, you should strongly consider obtaining a cyber insurance policy.

Every company in every industry has their own unique cybersecurity needs. At Graham we understand that there isn’t a one-size-fits-all solution. As part of the P²RIME® process, we dive deep into your company’s cyber risk and help you build a proactive risk management plan that includes improving ransomware controls, calculating risk transfer limits, providing insurance coverage, education, and consulting. When you partner with us we can help you:

Evaluate Your Needs
We work with your IT administrator or department to understand potential exposures from an enterprise-wide standpoint and leverage data breach calculators and benchmarking platforms to analyze your risk profile.

Obtain Cutting-Edge Insurance Solutions
We work with the top carriers in the insurance marketplace to ensure your cyber coverage is broad in scope and best in class. We are consistently evaluating the cyber insurance market to identify new coverage enhancements and stay abreast of the changing landscape.

Mitigate Loss
To support our clients’ cyber risk management needs, we continue to identify areas for loss mitigation. We work with our carrier partners to strengthen your cyber hygiene through preparation and prevention efforts, thus lowering your risk profile.

Build an Incident Response Plan
Our goal is always to get our client’s organization back up and running as quickly as possible. To do this, we collaborate with our client’s IT administrators to ensure an appropriate incident response plan is in place and key stakeholders understand what to do in the event of a cyber incident.

Manage Claims
In case of a cyber incident, our professional claims management team is prepared to assist you with every aspect of the claims process to ensure you receive the coverage you are entitled to as part of your policy.

Educate Your Employees
Our team keeps up with the ever-evolving cyber marketplace and provides ongoing education and training to our employees and clients about emerging threats, claims trends and new technologies to combat incidents.

Cyber policies also include business interruption insurance in case a cyber incident impacts the service of your network or a network you rely on to do business. We understand that every moment is valuable to your business and work diligently to ensure our clients are properly compensated when revenue is lost due to a cyber incident.

Simply put, any organization that connects to the internet or maintains personal information should have cyber insurance.” 

We write all lines of insurance coverage targeting successful individuals and families with underwriting flexibility, higher limits and broader coverage options.

When you get started, Graham Company will provide you with a proposal presentation outlining your coverage options. We offer ongoing monitoring of your personal property and casualty insurance program and an annual review of your current coverages to keep you protected and up to date. Our own professionals are always available to service your account. We’ll never send you to a call center – we handle all of our claims through our own claims department.

Graham’s personal lines group has done, and continues to do, an outstanding job. They are knowledgeable, responsive, and fun to work with. They always act in my best interest and go way beyond the call of duty. They are truly a tremendous asset.”

In today’s business world, there’s a lot of turbulence and turn-over. It’s hard to find and keep good talent—and let’s face it, good talent can make or break an organization. So, while we know that it can be tempting to minimize your immediate costs by cutting back on your benefits programs or increasing payroll deductions, we urge you to try a better long-term approach. Your benefits program is a key component to your overall recruitment and retention strategy, and creating a stellar benefits program can boost employee morale and help you get ahead of the competition. But we know that building the right employee benefits plan can be a daunting task, which is why we have a team of seasoned professionals to help you build a long-term strategy that recruits and retains your top talent.

Balancing costs and employee needs can, at times, feel like walking a tight rope. So, when you’re trying to give your employees what they want and need, while maintaining costs, you need a comprehensive employee benefits program that gives you:

• An employee experience that both recruits and retains top talent
• Increased choice and greater control over the components of your plan
• Improved company culture to better foster successful employees
• Cost containment strategies

Having the right information is the most important factor in making strategic decisions for your company and your employees. We implement cutting-edge processes to make sure you have actionable data and insights at your fingertips to make critical informed decisions.

Cutting back your benefits program or increasing payroll deductions will minimize your immediate costs, but those actions can reduce employee morale. If left unchecked, this can increase the cost of your plan in the long run. Our goal is for your programs to run efficiently for years to come.

By implementing strategies to improve the health and behavior of plan members, employers can address the real drivers of rising health care costs. We design customized, incentive-based health management programs that help employers reduce health care cost increases for the long term.

Through Graham Optics powered by Innovu, we integrate all your benefit and risk management data to provide a complete view of your employee population and risk. By enabling Graham Optics Plus, you gain actionable insight to make informed, data driven decisions in real time.