Business Details
Trusted Insurance & Risk Management Solutions
Founded in 1890, we are one of the top privately-held insurance and risk management firms in the country. Our longevity in the industry provides unparalleled expertise and longstanding relationships with leading insurance carriers. We assist businesses and individuals with property, casualty, employee benefits, and more complex programs. Our proven track record empowers us to anticipate insurance or risk management needs and create innovative solutions that drive down costs for clients over time. We serve nearly 15,000 clients nationwide, ranging from small businesses to large corporations and nonprofits. Our team members have an average of over ten years of industry experience, combining deep knowledge with a commitment to personalized service.We operate in a collaborative environment, ensuring comprehensive coverage at competitive prices while maintaining a do-what-it-takes attitude toward client needs. Our focus extends beyond transactions to building long-term relationships grounded in trust and reliability. We stay engaged with evolving regulations and industry changes year-round to keep clients informed and protected. Our mission is to provide customized insurance plans and ongoing risk management solutions that ensure a more secure future for all our stakeholders.
Services
Business Insurance
Employee Benefits
Individual Life Insurance
Homeowners Insurance
Risk Management
Claims Processing
Cyber Liability
Professional Liability
International Loss Control
Highlights and features
- We have over 130 years of experience in insurance and risk management
- Our team members average over a decade of industry expertise
- We offer nationwide service with personalized, local attention
- We create innovative solutions for complex insurance needs
- We maintain longstanding relationships with top insurance carriers
What people say
Personal attention to needs
Do whatever it takes attitude
Proven track record
Timely resolutions
Industry expertise
Services
Business Insurance
We provide tailored business insurance solutions addressing property, liability, workers compensation, and specialized coverage needs. Our experienced team helps businesses mitigate risks while securing competitive pricing through extensive carrier relationships. With industry-specific expertise across sectors like real estate, manufacturing, and cannabis, we create comprehensive protection strategies that evolve with your business.
Employee Benefits
Our employee benefits consulting helps businesses design competitive benefits packages that attract and retain talent. We offer creative solutions within budget constraints while ensuring compliance with evolving regulations. Our Vitality wellness program and year-round engagement with benefits trends help employers maintain modern, effective benefits strategies that support workforce health and productivity.
Risk Management
We develop proactive risk management strategies to identify, assess, and mitigate potential threats to businesses. Our services include loss control, alternative risk financing analysis, and cyber liability protection. With experienced professionals averaging 20 years in claims handling, we help clients implement robust risk frameworks that protect assets and reduce long-term costs through practical, economical approaches.
Insurance Consulting
Our insurance consulting services help lenders and businesses verify proper coverage before loan closings. We ensure policies meet requirements for collateral protection while preventing closing delays. With expertise in construction loans, commercial mortgage-backed securities, and specialty financing, we provide critical insurance validation services that protect lenders' assets without additional cost to their institutions.
Personal Insurance
We offer comprehensive personal insurance solutions including auto, home, life, and health coverage. Our specialists provide customized protection for individuals and families at all life stages, from young professionals to retirees. With access to top personal insurance carriers, we help clients secure coverage that protects their assets and provides peace of mind through changing personal circumstances.
People
Skip Schrayer
CEO
Skip Schrayer leads with a vision for building secure futures through strategic risk management. He partners with clients, carriers, and community stakeholders to deliver innovative insurance solutions. His leadership emphasizes long-term relationships and industry expertise.
Joshua B. Herz
President
Joshua Herz focuses on creating customized insurance solutions while maintaining operational excellence. He demonstrates a commitment to client service through timely resolutions and proactive risk management strategies. His leadership drives the firm's collaborative approach to client relationships.
Karen Z. Vacko
Executive Vice President
Karen Vacko provides strategic leadership in insurance solutions with extensive industry experience. She focuses on delivering comprehensive coverage options while maintaining strong client relationships. Her expertise contributes to the firm's reputation for personalized service.
Denise Bolt
Vice President - HR & Operations
Denise Bolt oversees human resources and operations, ensuring the firm maintains its commitment to employee engagement and service excellence. She contributes to creating a workplace culture recognized as one of the Best Places to Work in Insurance.
John Turner
Chief Financial Officer
John Turner manages financial operations with a focus on sustainable growth and fiscal responsibility. His leadership ensures the firm maintains strong financial foundations while delivering value to clients through efficient service delivery models.
Questions
What types of business insurance do you offer?
We provide property, liability, workers compensation, cyber liability, professional liability, directors & officers, and specialized coverage tailored to industries like real estate, manufacturing, and cannabis.
How do you help with employee benefits?
We design customized benefits packages with compliance support, wellness programs, and year-round guidance to help employers attract talent and maintain competitive offerings.
Do you offer personal insurance solutions?
Yes, we provide auto, home, life, health, and specialty personal insurance coverage through top carriers, with options tailored to individual life stages and needs.
What risk management services are available?
Our services include loss control, alternative risk financing analysis, cyber liability protection, and claims advocacy, supported by professionals with 20+ years average industry experience.
How do you support lenders with insurance needs?
We verify borrower insurance compliance for loan closings, ensuring proper coverage without delays. Our services cover construction loans, commercial mortgages, and specialty financing arrangements.
What areas do you serve?
We operate nationwide with expertise in multiple industries, serving clients in real estate, private equity, manufacturing, nonprofits, trucking, cannabis, and franchise sectors.
