Manufacturers face a complex set of risk management challenges. They struggle with difficult safety and workers compensation exposures, given ever-increasing demands on productivity and in many cases, an aging workforce. Manufacturing clients’ risks continue when their products leave the loading dock. Their products enter a marketplace that is more litigious than ever. We work closely to evaluate product liability exposures, and our thorough Underwriting Submission ensures we receive the most favorable coverage terms and pricing from insurance carriers.

Distributors have many of the same challenges, but with the addition of large vehicle fleets. Distributors are also all too often treated generically by the insurance marketplace. We regularly see great companies being treated the same as their less professional industry peers in terms of service, coverage and pricing. Graham Company acts as an “Outsourced Risk Manager.” Whether it is observing warehouse operations and identifying improvements, designing a new loss-sensitive insurance program or evaluating contracts with vendors and clients, the goal is the same: to reduce losses and to design an insurance program that is a competitive advantage.

Graham Company has provided Risk Management for every type of manufacturer including chemicals, industrial equipment, consumer products, heavy equipment, medical devices, and pharmaceuticals. Similarly, Graham distributor clients sell a vast variety of goods including petroleum/propane, flowers, refrigerated food, paper, heavy equipment, chemicals, publications, tires, consumer products, and medical supplies. Each presents its own risk management challenges.