A holistic approach to
risk management

Specialty Areas

Insurance Broker Specialties



Graham Company has the expertise 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.




Through our partnership with Innovative Captive Strategies (ICS), Graham Company can advise you on Captive Insurance alternatives. Captive Insurance companies specialize in the insurance or reinsurance of the retained risk of its owners or participants. Captive Insurance is a risk financing mechanism used as an alternative to traditional insurance.

Group Captive brings together a group of independent businesses to form their own insurance company. This type of Captive provides workers’ compensation, general liability, automobile liability and physical damage coverage. Single Parent Captive is an option designed for organizations with annual premiums in excess of $3 million. Rental Captives are designed to “rent” space to multiple programs/insureds through a “Segregated Cell” structure.

These programs provide all the benefits of a Captive without the burden of ownership obligations.


In M&A situations, exposures to risk are heightened. When one company acquires another or two companies merge, the combined organization can take on the risk of all entities involved. It is important to identify and quantify all risk exposures so they can be effectively mitigated.

At Graham Company, we know the timing of these deals is critical, but the right coverage can be even more important. Our expert M&A Team works with our clients, no matter what the deadline, to identify previously overlooked exposures and design tailor-made insurance programs to meet the specific needs of the consolidated organization.

Our unique approach to M&A Insurance includes identifying the various exposures that can impact the transaction, evaluating the adequacy of the target company’s coverages and safety programs, quantifying exposures to loss and providing options for risk transfer or risk financing. This in-depth approach is designed to protect your assets and give you broad coverage at the best price.


Graham Company provides customized solutions to our clients for the redevelopment or transfer of properties with environmental histories. We have developed Environmental Liability Insurance programs for many complex cases. Our high profile experience includes structuring Environmental Liability Coverage for the redevelopment of an old Navy shipyard, the purchase and sale of hundreds of petroleum storage facilities, the dismantlement of an office tower and other business transactions where environmental hazards posed significant threats.

Through a customized and thorough approach, our experienced and knowledgeable team develops Environmental Liability Insurance programs for the most complex and high-profile cases. An appropriately designed and implemented program is a critical asset against present and future environmental liabilities, affording buyers, sellers and lenders peace of mind.


Construction Wrap-Up policies allow a single sponsor to consolidate the purchase of certain insurance coverages for an entire project, or a series of projects, versus having each contractor provide their own individual insurance. Rolling Wrap-Ups encompass more than one project. A Wrap-up typically includes Workers Compensation, General Liability and Excess Liability insurance, but may also include Builders Risk, Contractors Pollution, Professional Liability and Subcontractor Default Insurance. Most Wrap-Up programs are provided on a Loss Sensitive basis, meaning that the claims experience of the project directly impacts the final cost of the insurance.

The overall financial success of a Wrap-Up rests solely on the program sponsor’s ability to keep insurance losses low. At Graham Company, we have an unwavering commitment to Safety and Claims Management and our in-house Loss Control Department maintains an active, on-site presence at the jobsite. This expert attention results in a safer project and significantly reduced loss rates than what is achieved by our competitors. We also assist with Wrap-Up administration services, considerably reducing the burden on the program sponsor. No matter how complex the project, we make Construction Wrap-Up simple.


  • 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

Every day, executives take actions and make decisions that can have a significant impact on the operations of their organizations. Occasionally, those acts have unfavorable results which can result in lawsuits from customers, donors, beneficiaries, lending employees, competitors or the government. The increased frequency of bankruptcies, mergers and acquisitions and initial public offerings, as well as additional government regulations by the SEC, has left executives more exposed than ever before.

At Graham Company, we recognize the importance of protecting executives against their management liabilities, and offer specific policies to address these concerns, including Directors’ & Officers’ Liability, Employment Practices Liability and Fiduciary Liability. We have a proven process and a dedicated team with the expertise to understand clients’ concerns, structure coverage options and protect executives’ assets.


Graham Company clients with foreign exposures have access to one of the world’s largest network of global affiliates through Assurex Global Partners. Assurex is a group of more than 20,000 insurance professionals employed by 130 independently owned insurance brokers on six continents. The group generates in excess of $19 billion in annual premiums, which makes the strategic alliance the third largest producer of property and casualty insurance premiums in the world.

Graham Company was handpicked to be an Assurex Global Partner based on our market position, growth potential, quality and breadth of service. Through Assurex, we provide additional resources to clients with international exposures. Hands-on advice and services are available from local experts familiar with the regulatory environment and customs of almost every country on the planet. As a result of this partnership, Graham’s clients have access to the right brokers wherever they conduct business.

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