Managing Business Risk

Being in business means facing an unpleasant truth: No matter how well you plan, how hard you try, or how noble your intentions, sometimes things simply go wrong. Assets are damaged or destroyed. A natural disaster or other emergency disrupts your business. A key employee is suddenly out of the picture. Your employee or your product injures someone. The list seems endless.

Consolidated's comprehensive approach to minimizing your risk takes all of these eventualities into consideration. But there's much more involved, including finding ways to save you money in ways you may not have considered. Here are a few of the areas we consider:

Property and liability insurance - Every business is unique. That's why Consolidated takes the time to thoroughly analyze your specific needs and design a program that provides precisely the protection you require.

Business continuation and key employee insurance - No one can accurately foresee the future. People's goals change, we all get older, and sometimes the unexpected happens. That's when having key employee insurance and a well thought out buy-sell agreement is invaluable.

Retirement planning - We believe it's essential that each employee enjoys the benefits of a sound retirement plan that complies with all government regulations, offers a wide variety of investment options, and minimizes employer cost.

Payroll deduction programs - We call this program Worksite Insurance Services with Ease (WISE). Through WISE you can provide a wide range of offerings including life, supplemental health, personal auto and other insurance products via payroll deduction. WISE is available for any size employer.

MyWavePortal - This personalized web site allows you to easily click, connect, and communicate with our agency. Online document sharing helps to streamline collaboration with our agency. Participation in surveys allows you to make comparisons to other employers across the United States. And you'll gain access to a vast and knowledgeable network of peers from across the country through the site's interactive community.