Commercial Insurance
At Dale Barton our customers benefit from our more than 70 years of experience in the commercial insurance industry. The size and strength of our customer base enables us to work with best-in-class insurance carriers. We build custom and comprehensive insurance programs that match clients’ particular needs at a competitive price. We pride ourselves on approaching things with a sense of urgency, delivering superior service and solutions.
Our clients’ industries are dynamic and the needs of our clients are constantly changing. Therefore, we lead the way in designing cost-efficient programs that protect our clients’ businesses, equipment, employees and projects in an ever-changing environment.
Dale Barton’s Insurance Division is equipped to handle complex risks and our team of insurance professionals is recognized as an industry leader in insurance services including:
Certificate of Insurance Training (COI)
Discussion on why carriers require insureds to track COIs received from parties they have entered into contract with. A review of recommended forms that are available in the marketplace (i.e., additional insured).
Challenging Insurance Program Negotiation & Placement
Dale Barton leverages marketplace relationships on your behalf to deliver the best coverage terms.
Claims Management
We assist in creating a highly effective claims management strategy – tailored to your business. We help clients take control of their workers' compensation claims. Our team fosters accountability among all stakeholders, identifies red flags and manages potentially volatile claims from day one.
Claims Training
At the accident scene, it's time to put your smartphone to work. It might help to think of your photos as "telling the story" of the accident. Tips and recommendations from an industry professional to help you manage accidents and claims.
Contract Review
Our experienced team can assist in the review of contracts. We work with subcontractor agreements, lease agreements, homeowners/condo-owners associations documents, and more.
Contractual Risk Transfer Reviews and Audits
We provide a comprehensive review of your company's current insurance program, subcontracts and fleet safety programs. We partner with carrier risk control services and offer job site safety audits and best practices consultation based on your business' needs.
Coverage Audits and Comparisons
We review your insurance program in order to align policy coverages for your business' specific needs.
EMR/Emod Analysis and Review (Experience Mod Rate)
We utilize cutting edge analysis software to review your current experience modification rate (EMR). This helps determine if proper class codes are assigned, payroll allocations are accurate and that all states are accurately reporting work comp data.
EMR Projection
Utilizing cutting edge analysis software, we can provide future projections on your Worker's Compensation Experience Mod/EMR (for the next policy period). This allows potential concerns to be addressed before they become an issue (i.e. payroll changes, loss trends).
Exposure Analysis and Risk Identification
We analyze and identify risks for your business and within your industry. This give us insight about your business' potential risk and helps with the alignment of proper coverages based on your needs.
Risk Management, Safety and Loss Control Services
Dale Barton partners with carrier risk control services to provide you with risk control solutions tailored to your company's unique and specific needs.
Tailored Insurance Programs & Policies
Dale Barton specializes in providing tailored business insurance solutions. Our professionals consider everything from your coverage needs and risk appetite to your financials. We develop solutions that complement your business model as well as your business and financial goals and objectives.
Workers Compensation Services
We walk you through the buying process and provide insight into the various laws, class codes and underwriting involved with work comp insurance. Read more above regarding our: EMR Services, Claims Management Services as well as our Risk Management, Safety and Loss Control Services.
Dale Barton Offers a Variety of Coverage Solutions:
- Alternative Risk Financing: Captives, CIPS, & Wrap-ups
- Commercial General Liability (Casualty)
- Crime / Fidelity (ERISA)
- Employment Practices Liability Insurance (EPLI)
- Inland Marine
- Pollution Liability / Environmental
- Boiler and Machinery
- Commercial Property
- Cyber Liability / Technology E&O
- Errors and Omissions (E&O)
- International / Foreign Coverages
- Professional Liability
- Builders Risk / Installation Floater
- Contractors Equipment
- Design Build Liability
- Executive Management Liability
- Key Person Life Insurance
- Umbrella / Excess Liability
- Commercial Auto
- Controlled Insurance Programs (CIPs, Wraps)
- Directors & Officers
- Fiduciary Liability
- Kidnap and Ransom (K&R)
- Workers Compensation
Property & Casualty Solutions that Protect Your Business
Strong and financially sound insurance carriers are an important factor to the success of an insurance program. Dale Barton has strong and lasting relationships with best-in-class insurers servicing a broad spectrum of industries.
OUR CAPABILITIES
Providing Local, National, & International Services
Our firm has extensive experience with all types of P&C program designs, including:
- Guaranteed Cost
- Retrospectively Rated
- Large Deductible
- Captive Programs
- Self-Insurance
- Others
These programs can be designed to provide local, national, and international coverage.
Our Insurance Professionals and Risk Advisors understand that a properly designed and well-managed commercial insurance program should complement and support your company’s strategic objectives. Our people bring industry specific expertise and superior underwriting relationships that, when combined, create risk management/insurance programs that lower your total cost of risk, support your company’s broader objectives, and bring value to your bottom line.
