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Food processors, contractors, printers, manufactures,
wholesalers, publishers, service industries - there is
no business that is immune from under-insured losses.
And the startling realities of today's legal judgments
increase the likelihood.
Prior to 1962, there were no jury verdicts for a million
dollars. Since that first million-dollar award a quarter
century ago, the number has skyrocketed to nearly 5,000.
However, business and industry must continue to take the
risks in this litigious environment in order to thrive
and grow. For more than a three decades Allen Financial
has taken a leadership role in providing business with
that extra edge of protection, finding ways to write
business protection plans to shield companies from
indemnification and possible defense costs.
Business catastrophes can and do happen anytime. Allen
Financial shares a place in the risk environment and
consistently meets the challenge to provide the very
best underwriting expertise available, backed by the
nation's leading insurers and a corporate history of
commitment to service.
Consistent, Creative and Specialized
For more than a thirty years, the Allen Financial Group
has demonstrated a consistent market approach,
maintaining high principles and traditions, exhibiting
continuous, planned growth and initiating product
innovation that equips it well to explore and respond
quickly to out-of-the-ordinary situations.
A
reflection of that innovation, Allen Financial
has, for more than a decade, remained on top of a
fluctuating market and demonstrated again and again the
ability to find creative, responsible solutions to
insurance problems.
Allen Financial has written a long and varied list of
insureds from mass merchandisers to specialty trade
contractors to major equine and recreational facilities.
The depth gained from carefully evaluating these
accounts allows us to confidently approach any account
with consistency and integrity.
We
know Excess or Umbrella is often the last item worked on
when wrapping up an account. Authority at the local
level means prompt turnaround time and quick decision
making to help our agents and brokers provide better
service to their clients.
The
focus is clear: provide the service, underwriting
skills, technical expertise and local authority required
to be an accessible, responsive market with which to do
business.
Resourceful, Experienced and Responsive
The Allen Financial Excess Umbrella underwriter is a
creative problem solver with broad experience and a
commitment to service that is integral to our reputation
for excellence.
Liability Insurance Specialists
The Allen Financial underwriter is educated in the
underwriting philosophies of most liability markets.
Responsive in adapting to industry trends, the Allen
Financial underwriter is skilled in the ability to work
flexibly in the constantly changing Excess and Umbrella
marketplace.
The
Allen Financial Excess Umbrella underwriter is adept at
managing the components of the underwriting cycle in
order to maintain a stable and consistent approach.
These components include price fluctuations, limits
capacity, the effects of expansion and contraction of
the reinsurance market, changes in forms of coverage,
the legal environment and government regulations.
Technical Expertise
Hallmarks of the Allen Financial Excess Umbrella
underwriter are expertise in the variety of casualty
forms as well as the ability to understand the
technicalities and implications of general liability,
auto liability, employer's liability and specialized
liability coverages.
The
underwriter must be able to analyze any non-standard
casualty forms for underlying adequacy, particularly
reviewing triggers of coverage and defense provisions.
The
legal environment and its territorial differences are
constantly monitored and analyzed. Any law which is
peculiar to a particular jurisdiction is considered in
the underwriting process.
Commitment to Service
To best serve producers and their clients, the
underwriter strives to become a valued and knowledgeable
source of market information.
Through a program of ongoing and frequent communication
with producers, the underwriter can develop an
understanding of each client's needs and be truly
responsive, writing policies that address those needs.
Responsive. Creative. Analytical. Flexible.
Knowledgeable.
These are characteristics of the Allen Financial Excess
Umbrella underwriter.
Service, Integrity and Responsibility
Excess and Umbrella coverage offer protection for the
unexpected, unknown and unintended occurrences. In an
age of skyrocketing legal fees and settlements, the
strength of an insurer is vital.
Allen Financial Insurance Group
A Key
Component of the Allen Financial Difference
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