Risk is a part of business. That is why anticipating and managing risk is a critical part of planning for the future of your business. At Alera Group, we focus on helping you lower your overall cost of risk, not just your insurance premiums – an approach that gives you a competitive advantage and creates significant opportunities for meaningful savings over time.  The challenge is understanding what your total exposure to risk will be, while also estimating and lowering your total cost of risk over the long term.

Our Property and Casualty team aims to do both of those things, by utilizing a combination of insurance products, business planning tools, and data analytics to prepare your business for whatever the future may bring.  At Alera Group, we work with start-ups, small businesses, middle market firms, and national companies to assist you in mitigating risk.

Our Consultative Approach

Our solutions and services help businesses proactively manage future costs so that leaders can think about new opportunities, not new worries. We help our clients to:

  • Identify business risk and determine how to best mitigate it
  • Ensure that their bottom line is protected and that their coverage continues to meet their business objectives over time
  • Concentrate on growing their business without the worry of financial loss from potential insurable risks

Our Expertise and Capabilities

Alera Group’s Property & Casualty team can provide advice on a variety of exposures including:

  • Workers' Compensation
  • Cyber Liability
  • Property Coverage
  • General Liability
  • Product Liability
  • Auto Liability
  • Umbrella Liability
  • Directors & Officers Liability
  • Environmental

Our Services and Capabilities

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Property & Casualty

Combine insurance products, business planning tools and the raw power of data to prepare your business for whatever the future may bring.

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Coverage GPS

How would it feel to be completely prepared for your business insurance renewal by looking at a single piece of paper? That’s what you’ll get with the Coverage GPS.


Actuarial Services

Our award-winning actuarial team will examine your unique circumstances, analyze current marketing conditions and anticipate future developments.

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Captive Feasibility Studies

The use of captives has increased year after year over the past two decades. Let’s determine if it’s the right fit for you.

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Captive Management

Make sure your captive solution is the right fit as your company grows and evolves.

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Claims Advocacy & Management

Resolving claims isn’t just about finances. It’s about moving forward quickly to return to normal operations without delay or complications.

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Contract Review

Contracts jumbled in legalese? Our team of experts can help you translate, making sure your contracts have your best intentions in mind and that you’re getting a fair deal with your partners.


Data Analytics

Use data to enhance your enterprise risk management for smarter strategic planning and decision-making.

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Loss Control Services

Help you identify, assess and understand the risks that can impact your business both in the workplace and through third party relationships.


Management Liability Assessment

Put the right people in charge of your organization—and let your executives’ help your company grow without fear of unknown risks.


Merger & Acquisition Due Diligence

A merger or acquisition is one of the most daunting tasks a company can go through. Our M&A professionals will be there to help you every step of the way.


Return to Work Programs

Help injured workers reintegrate into the workplace – with benefits for both employees and employers.

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Surety Bonds

The right bonding company can supply your organization a competitive edge, providing the higher limits you need to get the job done. We can cover your domestic and international surety needs.

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Corporate Risk Management

Help you identify risks; develop and implement practices to mitigate and prevent financial losses.

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Environmental Liability Assessment

When it comes to environmental risks, your business needs comprehensive insurance coverage to protect not only your bottom line, but also your brand and reputation.

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Cyber Liability

Is your organization insured against the threat of a cyber attack? In an increasingly connected world, the correct coverage is critical.

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Business Continuation Insurance

Provide funds to continue business and cover losses in the event of losing someone critical to the business.

Alera Group has deep, proven expertise in the following industries:

  • Agriculture
  • Construction
  • Education
  • Energy
  • Financial Services
  • Food Processing & Distribution
  • Healthcare
  • Hospitality & Gaming
  • Life Sciences
  • Manufacturing
  • Marine
  • Media & Technology
  • Mining
  • Municipalities
  • Not for Profit/Social Services
  • Private Equity
  • Professional Services
  • Real Estate
  • Retail
  • Staffing/PEOs
  • Transportation and Logistics