Property/Casualty Insurance and Risk Management Services:

Contact us at 703.739.9300 or 800.468.4200, or send us an email letting us know the best time to contact you by phone. Click here to go directly to a property/casualty insurance application.

Our client relationships are based on written agreements in which we commit to provide specific services the client has selected. Available services include:

• Marketing and placement of your insurance, taking advantage of our access to all major insurers, in both the domestic and international markets. Unless otherwise agreed upon by you in writing, we place coverage only with carriers that have an A. M. Best Company rating of "Excellent".
• Recommending appropriate alternative risk financing techniques, including retrospective rating plans, retention plans, self-insurance and non-insurance transfers.
• Analyzing financial statements and operations, to assist in your calculation of business-interruption exposures to loss.
• Reviewing contracts and leases, to assure that they do not require insurance protection beyond what is afforded by your policies.
• Reviewing internal company policies and procedures - such as those concerning employment practices, training, procurement, customer relations, advertising and public relations - to advise you on their insurance and risk management implications.
• Analyzing the insurance and risk implications of your plans for changes in operation, acquisition or disposal of property, or relocation.

• Insurance Companies We Represent

CIMA's Claims Department is a key part of our effort to provide services that benefit clients the most. Claims management at CIMA includes reporting individual claims to the insurer, following them through until they are resolved accurately and fairly, documenting the progress of each claim for the client, monitoring reserves, and working with the account executive and loss control staff at CIMA to ensure that loss-control activities on the client's behalf are responsive to actual claims and incidents. Additional services include:

• Providing written reports, at an agreed-upon frequency, on claims activity on a year-to-date basis, along with detailed reports on open claims.
• Reviewing the impact of claims on potential return premiums or additional premiums, under loss-sensitive rated policies.
• Following any disaster, providing a senior staff member to assist in recovery.
• Developing, implementing and administering proprietary incident and claim reporting and analysis systems, for those clients who need such systems.
• Assisting the client in management and administration of claims made under self-insurance plans.

Another feature of CIMA's services that distinguishes us from most insurance brokers is our in-house Loss Control Department, offering our clients services such as these:

• Reviewing all operations for risk identification, hazard assessment and loss control suggestions. Areas often addressed include fire prevention, unsafe work conditions or practices, fleet management and maintenance, hazards related to storage or use of materials and equipment, and the risk associated with service or product failures.
• Evaluating the new client's existing loss control programs and policies.
• Helping the client establish and maintain consistent and effective accident investigation and reporting procedures.
• Advising in personnel selection and management, including the issues of hiring standards and background checks.
• Providing or assisting in providing training, including supervisory training, and establishing safety accountability and incentive programs.
• Reviewing claims and aggregate loss data to identify trends and recommend appropriate refinements of the client's loss control program.
• Developing programs for management of injury and illness, including early return-to-work programs and Employee Assistance Programs.
• Developing comprehensive disaster response and recovery plans.
• Assisting with regulatory compliance such as OSHA standards, EPA or DOT requirements, Americans With Disabilities Act compliance, etc.
• Providing, or assisting in providing, guidance on security of information.
• As needed, designing special loss analytical programs supported by detailed incident and claim reporting systems.

We can place your commercial general liability, property, business automobile, workers compensation, umbrella, professional liability and other insurance for your business, with the companies that offer the best combination of broad coverage and competitive price.  View some of the companies with which CIMA works. Click here to go directly to an application.

Risk Control Services

CIMA makes available a wide variety of risk management services, on a fee basis separate from the sale of insurance. We offer these services through our subsidiary, Risk Control Services. Some of them are listed below. If you would like more information, leave an e-mail message for the RCS staff.

Examples of Services Available Through RCS:

• Reviewing all operations for risk identification, hazard assessment and loss control suggestions. Areas often addressed include fire prevention, unsafe work conditions or practices, fleet management and maintenance, hazards related to storage or use of materials and equipment, and the risk associated with service or product failures.
• Designing specifications for insurance and risk management programs, issuing requests for proposals and evaluating competing proposals.
• Reviewing and analyzing financial statements and operations, to assist in calculation of business-interruption exposures to loss.
• Reviewing premises lease agreements, equipment lease agreements, vehicle lease agreements, contracts with independent contractors, and other contracts/agreements/leases, to assure that they do not require insurance protection beyond what is afforded by the client's insurance policies.
• Reviewing and analyzing internal company policies and procedures - such as those concerning employment practices, training, procurement, customer relations, advertising or public relations - and providing written comments on their risk management and insurance implications.
• Reviewing and analyzing the risk management and insurance implications of the client's plans for changes in operation, acquisition or disposal of property, or relocation.
• Receiving, reviewing and assisting in the management and administration of all claims made under self-insurance plans.
• Following any disaster, providing one of our senior staff members to assist in recovery. Services can include assistance in making arrangements with suppliers and contractors, furnishing temporary office services and staff support, and public relations functions.
• Integrating the management of claims under workers' compensation, group health and disability plans, to prevent overlap of claims or payments.
• Designing a claim information management system customized for the client's needs, inputting relevant claims information, and assisting in the management, administration and analysis of this information.
• Developing, implementing and administering an incident reporting system, and capture and analyze the data that results.
• Evaluating the new client's existing loss control programs and policies.
• Helping the client establish and maintain consistent and effective accident investigation and reporting procedures.
• Advising in personnel selection and management, including the issues of hiring standards and background checks.
• Providing or assisting in providing training, including supervisory training, and establishing safety accountability and incentive programs.
• Reviewing claims and aggregate loss data to identify trends and recommend appropriate refinements of the client's loss control program.
• Developing programs for management of injury and illness, including early return-to-work programs and Employee Assistance Programs.
• Developing comprehensive disaster response and recovery plans.
• Providing, or assisting in providing, guidance on security of information.
• Assisting with regulatory compliance such as OSHA standards, EPA or DOT requirements, Americans With Disabilities Act compliance, etc.
• As needed, designing special loss analytical programs supported by detailed incident and claim reporting systems.

Description of CIMA's property and casualty insurance services.

Description of CIMA's employee benefit services.

CIMA Services Directory

Click here for a copy of our Customer Insurance Service Commitment.

Click here to view CIMA's Code of Professional Ethics

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