Any ongoing expanding business will look to reach growth objectives through the development of organic growth or by acquiring or merging with other suitably capable companies. Managing the cost of those acquisitions at the initial stage and throughout the practical life of the company can be accomplished by thoroughly examining costly duplications that may exist when the acquisition is made.

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Some of the main areas of concentration should be:

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• Overlapping insurance policies between companies

• Unnecessary coverage

• Increased deductibles due to changes in size and affordability

• Proper review of policy Named Insureds

• Surety credit limitations

• Union versus non-union employee-benefits considerations

• Self-insurance considerations

• Expansion / review of Directors and Officers Liability

• Review and analysis of proper Buy-Sell funding
   

FIRSTGATE has the ability to work with your company to develop a long term strategy to establish an appropriate layer of protection from business insurance liability exposures that will be tailored to fit your company’s needs. Multiple programs require the proper selection of the appropriate coverages needed to provide adequate protection should a claim occur. Our two decades of experience placing coverage in the business insurance marketplace can bring to your company the expertise needed to get the right protection at a competitive price.