Industry Specialization
Construction
Whether you are building roads, laying brick, tying off electrical lines or forming large skyscrapers, CAH is there to help bridge the gap between your liabilities and the protection of your assets. Our construction specialist foundation is unparallel in the industry. We listen to your needs, understand your new projects, and growth aspirations.
Your goals, coupled with our expertise, will help us put together a punch list that will help you accomplish your goals.
In today's construction environment CAH understands that your margins and people are being pushed to the limit. Our team is built to assist you to weather the storm. Our resources and expertise are tailored to help ensure you have the lowest cost.
CAH provides these services to the construction industry to manage your risk:
- Contractual Review and Recommendations
- Loss Control
- Claims Mitigation
- Online Risk Management
- Human Resource Consulting
- Risk Management Seminars
- Actuarial Review
- Certificate Tracking
- Management Benefits Compliance
Typical coverages we place on your behalf: Workers Compensation (USL&H and Maritime Liability)
- General Liability
- Commercial Auto
- Builder's Risk
- Inland Marine
- Pollution Liability
- Umbrella Liability
- Employment Practices
- Liability Directors & Officers Liability
- Cyber-liability
- Owner Controlled Insurance Programs
- Contract Surety Bonds
- Captive Placements
Education
CAH has solutions for a constantly evolving education industry. We have extensive expertise in private schools and colleges as well as private sector colleges and universities. With more than 200 school clients and 500,000 students insured we have the expertise to help any educational institution.
We have proprietary programs for both private schools and private sector schools as well as endorsements from several national educational associations.
Services:
- Specialized Human Resources Training
- Compliance Training
- Enterprise Risk Management
- Claims Services
- Bankruptcy and Title IV Protection
- Insurance for Qui Tam Actions
- Discounted Health Insurance Programs
- Student Health Insurance Programs
- Insurance Programs for Adjunct Faculty
Energy, Oil & Gas
Risk Management in the Energy world can be complex and overwhelming. We reduce this burden to the client by providing the necessary assistance to navigate these waters.
We have developed a team of knowledgeable, seasoned individuals trained in the nuances of Energy, Oil, & Gas. Whether your need is for Tax Credit Insurance for a windmill in Oklahoma, Blowout and Cratering Liability for a well in Louisiana, or a claims advocate on a blasting claim for a surface mining operation in Kentucky, we have the professionals in place to provide expertise.
CAH provides these services to the Energy, Oil & Gas Industries to manage your risk:
- Contractual Review
- Loss Control
- Claims Mitigation
- Online Risk Management
- Human Resource Consulting
- Risk Management Seminars
- Actuarial Review
- Certificate Tracking Management
- Benefits Compliance
Typical coverages we place in the Energy, Oil & Gas industries on your behalf Pollution Liability and Clean-up
- Blowout & Cratering Liability
- Underground Resources & Equipment Liability
- Rig & Equipment Physical Damage
- Gas Plant Physical Damage
- Pipeline Physical Damage
- Loss of Downhole Tool
- Loss of Well Control (OEE)
- Workers Compensation (USL&H and Maritime Liability)
- Plugging & Abandonment Liability
- Well Bonds
Additional specialized coverages placed that encompass "Green" include:
- Tax Credit Insurance
- Lack of Wind Cover
- Performance Risk
- Transit
- Marine
- Marine Delay in Start Up
- Construction
- Advance Loss of Profits
- Mechanical and Electrical Breakdown
- Business Interruption
- Third Party Liability
- Employers Liability
Health Care
No industry faces the number of unique and overwhelming challenges similar to what the Health Care industry does each and every day. Catastrophic injuries, privacy concerns, uncollectible revenue, shrinking payments and increasing paperwork all affect the bottom line of healthcare companies.
For the companies that deliver healthcare services and products, the importance of having a knowledgeable risk management partner is critical to future success. At CAH, our experience comes from the long term support of the healthcare industry. We have been able to coordinate the insurance and risk management solutions required for this ever-changing environment.
The CAH Healthcare Group handles the unique exposures of the Healthcare industry. These include clinical trial risk, protection of personal information (physical and electronic), dependence on specialized diagnostic and surgical equipment, medication controls and the operational challenges inherent in natural disasters.
CAH provides these services to the healthcare industry to manage your risk:
- Contractual Review and Recommendations
- Loss Control
- Claims Mitigation
- Online Risk Management
- Human Resource Consulting
- Risk Management Seminars
- Actuarial Review
- Certificate Tracking Management
- Benefits Compliance
Typical coverages we place on your behalf:
- Property
- Business Income
- Automobile Liability
- Medical Malpractice/Professional Liability
- Workers Compensation
- Umbrella/Excess Liability
- Environmental Liability
- Crime and Fiduciary
- Management Liability and Employment Practices Liability
Manufacturing
We understand that there is a distinct uniqueness to each and every manufacturing risk. Whether you are manufacturing plastic products in Alabama or large engines in Ohio, CAH has the experience to handle your unique needs.
The overall risk management program design and its comprehensive structure are vital in the protection of your people and assets. Our knowledge of property, raw materials and systems allows us to better guide you through the decision process required to protect them. Our holistic approach provides multiple avenues to help you make risk mitigating decisions and improve on your bottom line.
CAH provides the following services to the manufacturing industry to manage your risk:
- Contractual Review and Recommendations
- OSHA Tracking
- Experience Mod Analysis
- Business Interruption Analysis
- Loss Control
- Collateral Management
- Claims Management
- MSDS Tracking
- M&A support
- Benefits Compliance
Key Coverages to review and consider:
- Workers Compensation
- General Liability
- Commercial Auto
- Product Liability & Recall
- Business Interruption
- Employers Liability
- Pollution
- Management Liability
- Credit Insurance
- Crime/Fidelity
- Equipment Breakdown
- Inland Marine/Stock Throughput
Marine Insurance
Accounts with marine exposure need a Marine Risk Management Professional, not a broker who only partially understands marine risk management. At Cobbs, Allen & Hall, we want to understand more than the existence of your marine exposure. We take the time to truly understand the exposure.
This enables CAH to tailor a risk management program that provides the most appropriate coverage while securing the utmost competitive price that the market will allow.
CAH provides the following services in support of marine exposures:
- Risk analysis
- Safety and loss control support
- Contract review and recommendations
- Detailed claims support
- Online risk management system
- Premium allocation
- Strategic planning
- Certificate Tracking Management
- Benefits compliance
Market Access:
At Cobbs, Allen and Hall, access to the right market is a high priority. We take pride in cultivating relationships with marine markets on both a direct and specialty wholesale basis. These relationships are vital to our ability to tailor a program specific to your needs.Typical Coverages we place for our marine clients:
- USL&H and MEL
- Protection & Indemnity
- Hull & Machinery
- Marine General Liability
- Bumbershoot
- Cargo and related coverage
- Inland Marine/Handling Equipment
- Wharfinger/Stevedore/Terminal Liabilities
- Property and Business Interruption (Loss of Revenue)
- Terrorism coverage
Mining
The Mining Industry is a unique business. It presents special concerns from a Risk Management standpoint. Cobbs, Allen & Hall has committed itself to the Mining Industry by developing a team of highly trained individuals who understand the business and how it relates to insurance.
This team has their MSHA New Miner & Part 48 designation, and is certified to teach the 8 hour refresher training. There are limited markets for the mining industry, and therefore this industry knowledge is paramount to the success of a tailored risk management program. Our mining clients include; surface mining, underground mining, drilling contractor's (Mining), blasting contractors (Mining), equipment dealers(Mining), Trucking(Mining) and a Dragline service company.
CAH provides the following services to the mining industry to help manage your risk:
- Contractual Review and Recommendations
- Loss Control
- Claims Mitigation
- Online Risk Management
- Human Resource Consulting
- Risk Management Seminars
- Actuarial Review
- Certificate Tracking Management
- Benefits Compliance
Typical Coverages we place in the mining industry:
- Property/ Inland Marine- Above and Below Ground
- General Liability
- Workers Compensation- First dollar and large Deductible
- Pollution
- Umbrella
- Employment Practices
- Directors and Officers
- Captive Insurance Programs
- Surety- Reclamation Bonds
- Benefits Compliance
Nonprofit, Religious and Social Service Organizations
Nonprofit, Religious and Social Service Organizations have unique risks associated with their business. They affect many lives within the communities they serve. These risks have to be addressed in order to properly cover the individual situations and provide a comprehensive risk management program.
No business or organization is exempt from today's risks and the ever-increasing costs of claims and lawsuits. Cobb's, Allen & Hall understands these exposures and is experienced to present uniquely tailored solutions for this group of clients. CAH believes in community involvement and has created a team that is dedicated to helping, supporting, and insuring Nonprofits, Religious, and Social Service Organizations for over a decade.
Cobbs, Allen & Hall has the endorsement by The Alabama Association of Nonprofits. We partner with them to offer an exclusive worker's compensation program for its members.
Some of the specialized services we provide are:
- Claims Mitigation
- Online Risk Management
- Human Resource Consulting
- Risk Management Seminars
- Benefits Compliance
A few of the key issues that all nonprofit, religious and social service organizations should consider in their risk management program:
- Property
- Casualty
- Non-Profit Directors and Officers Liability
- Employment Practices Liability
- Fiduciary Liability
- Professional Liability
- General Liability
- Abuse/Molestation
- Special Events Liability
- Accident Coverage
Real Estate
The Real Estate specialist group at Cobbs, Allen & Hall consists of highly skilled professionals who deliver customized, creative insurance and risk management solutions for your unique portfolio.
Whether your focus is multi-family, retail, office, or a blend of property type, Cobbs, Allen & Hall has the knowledge and experience necessary to assist you not only in the placement of coverage but provide the services and support your company needs to manage it's risk.
Services to the Real Estate industry we provide to manage your risk:
- Certificate Tracking Management
- Loss Forecasting / Models
- Safety Publications
- Risk Management Seminars
- Loss Control recommendations
- Claims Mitigation
Typical coverages we place on your behalf:
- Business Income and Extra Expense
- Low Income Housing Tax Credit Insurance
- Catastrophic Loss (windstorm, hail, earthquake and flood)
- Commercial Auto
- Commercial General
- Crime and Fiduciary
- Employers, Public and Property Owners Liability
- Environmental Impairment Liability
- Excess Policies
- Layered Umbrella
- Legal Indemnities (including Defective Titles and Restrictive Covenants)
- Loss of Rental Income
- Machinery Breakdown/Boiler
- Professional Liability for REITs and Executives (including Directors and Officers, Errors and Omissions, Employment Practices Liability, and Kidnap and Ransom
- Property
- Workers Compensation
Restaurants
In today's society of two income families and single parent families it is imperative that we have readily available eating establishments. It is equally imperative that the food service industry be prepared to deliver their products and services in a safe manner.
We at Cobbs, Allen & Hall are uniquely equipped to assist in your risk management efforts.
We serve the restaurant industry from the finest of white table cloth dining to the owner operated quick service restaurant and all that lie in between. Let us show you how we can help you do what you do better.
Services to the Restaurant industry we provide to manage your risk:
- Loss Prevention Consulting
- Human Resource Consulting
- Benefits Compliance Consulting
- Claims Advocacy
- Online Risk Management Services
- Risk Management Seminars
Typical coverages we place on your behalf:
- Workers Compensation
- General Liability
- Commercial Auto
- Builder's Risk
- Pollution Liability
- Umbrella Liability
- Employment Practices Liability
- Directors & Officers Liability
- Cyberliability
- Captive Placements
Technology
Each day, companies become more dependent on their technological resources. In fact, most companies could not operate without their phones, computers and PDA's.
For the companies that develop and manufacture the technological equipment, devices, systems and software we all rely on, the importance of having a knowledgeable risk management partner is critical to your long term success.
At CAH, our experience comes from understanding the technology industry and skillfully coordinating insurance and risk management solutions in a rapidly changing environment.
CAH provides these services to the technology industry to manage your risk:
- Contractual Review and Recommendations
- Loss Control
- Claims Mitigation
- Online Risk Management
- Human Resource Consulting
- Risk Management Seminars
- Actuarial Review
- Certificate Tracking Management
- Benefits Compliance
The CAH Technology Group handles the unique exposures of the technology industry which can include programmer outsourcing, the foreign manufacture of components and products, intellectual property protection and cyber risk.
Typical coverages we place on your behalf:
- Property
- Business Income
- Automobile Liability
- Workers Compensation
- Umbrella/Excess Liability
- Environmental Liability
- Crime and Fiduciary Liability
- Management Liability and Employment Practices Liability
Transportation
At CAH we have transportation specialists with extensive knowledge and experience to assist clients operating both large and small fleets. These specialists add value by coordinating CAH managed offerings such as: mock DOT inspections, driver training and loss analysis.
All of CAH's transportation services are designed to help our clients prevent and reduce the impact of future losses. Our goal is to make sure your fleet safety program continues to be best in class.
A recent example of our transportation focus revolves around preparing our fleet clients for the changes required by federal mandate CSA 2010.
Cobbs, Allen & Hall's client experience includes:
- Petroleum haulers
- Hazardous materials
- Refer
- Flatbed
- Bulk tank
- Long haul
- Local and intermediate hauling
Services provided to help manage your risk:
- Loss Control
- Claims Mitigation
- Online Risk Management
- Human Resource Consulting
- Risk Management Seminars
- Actuarial Review
- Certificate Tracking Management
- Benefits Compliance
Typical coverages placed on your behalf:
- Workers Compensation
- General Liability
- Commercial Auto
- Inland Marine
- Pollution Liability
- Umbrella Liability
- Employment Practices Liability
- Directors & Officers Liability
- Captive Placements
