Leading Insurance Products
Risk Transfer is a full service agency that offers a myriad of products and services that drive results for our clients. We have a variety of coverages designed to meet the specialized needs of your business. We are an organization that takes service to the next level by offering solutions that other agencies and brokers cannot.
Select a coverage below to learn more.
We offer insurance coverage nationwide:
PEO and temporary staffing companies attribute their largest expenditure as an organization to payroll. Their second largest expense is the cost of their workers compensation program. As a result, it is very important to have appropriate coverage in place with a respective insurance carrier that you trust, while having a broker who specializes in the industry. We are niche specialists’ that advise, guide, and inform our clients about all of their potential options in the voluntary marketplace to ensure they are buying an insurance program that meets their organization’s needs.
Risk Transfer has partnered with WageSecure to provide an exclusive PEO unemployment insurance product. WageSecure’s Supplemental Unemployment Insurance combines with state benefits to replace 50% of your income if you become unemployed.
- WageSecure is supplemental involuntary unemployment insurance designed to complement your state unemployment benefits to help bring you financially closer to the income replacement level expected by most employees.
- WageSecure can help you achieve financial stability in the event you lose your job. It can be difficult to meet basic living expenses and financial obligations, including education and healthcare, on state unemployment benefits alone.
- WageSecure closes the gap between state unemployment benefits and 50% of your covered wages so that, if you become involuntarily unemployed, you are still able to meet your short-term financial obligations, without exhausting your personal and retirement savings.
General liability policies are put in place to protect against bodily injury and property damage that occurs during a normal business day. In the case of a civil lawsuit, this line of insurance would provide solutions for the cost of bodily injury, property damage, medical expenses, libel, slander, defense, settlements, and judgments.
The operation of vehicles is certain in every business whether rented or not. Having the appropriate coverage in place to protect against motor vehicle accidents is a must, so that businesses are assured there is insurance in place from liability and damages arising out of the operation of vehicles.
Employment practices liability (EPLI) claims represent the largest number of claims that a business will face so having adequate coverage in place to protect the organization is crucial. EPLI provides coverage for the insured and their client should a suit arise from any of the following: wrongful termination, discrimination, false imprisonment, invasion of privacy, sexual harassment, breach of contract, and emotional distress.
Professional liability protects the PEO and temporary staffing company and also the services they provide while at a client location. With coverage protecting professional advice and service our clients can rest assured they have adequate coverage against any negligent claims made by a client company and damages awarded in the instance of a lawsuit.
As businesses grow in this ever-changing landscape of technology the accumulation of data is one that cannot be avoided. From client company data to internal organizational data, companies run the risk of a breach in their technology systems and infrastructure that can create more vulnerability enabling hackers looking to steal valuable client information. Cyber liability is a great way to protect against this type of exposure by providing adequate coverage in the event of a security breach or malfunction.
A policy designed to provide protection against catastrophic losses. It generally is written over various primary liability policies, such as the business auto policy (BAP), commercial general liability (CGL) policy, watercraft and aircraft liability policies, and employers liability coverage. The umbrella policy serves three purposes: it provides excess limits when the limits of underlying liability policies are exhausted by the payment of claims; it drops down and picks up where the underlying policy leaves off when the aggregate limit of the underlying policy in question is exhausted by the payment of claims; and it provides protection against some claims not covered by the underlying policies, subject to the assumption by the named insured of a self-insured retention (SIR).
The fact of the matter is not every employee hired by a company is an ethical person; there is the potential for a business to hire a few bad actors that will attempt to steal from a business for personal gain. Crime coverage protects a business from these employees for theft or who want to cause financial ruin to an organization.
First-party insurance that indemnifies the owner or user of property for its loss, or the loss of its income-producing ability, when the loss or damage is caused by a covered peril, such as fire or explosion. In this sense, property insurance encompasses inland marine, boiler and machinery (BM), and crime insurance, as well as what was once known as fire insurance, now simply called property insurance: insurance on buildings and their contents.
Having the comfort level knowing that you are working with the best of the best is priceless.
Throughout the years, RTIA has consistently been a staple for its clients and service partners. As a result we have participated in and continue to represent several organizations that are industry specific, so that we can stay ahead of the game when there is a change that is going to affect our clients. Our commitment gives you peace of mind knowing that you are working with a best-in-class agency that maintains an expertise in the areas that matter most to you and your clients.