Risk Management & Insurance

Design & Environmental Professionals

Our focus on the design and environmental professions and our specialized expertise in this field provide our clients great value. You benefit from:

Specialized Personnel. Cavignac & Associates is comprised of more than 40 insurance professionals, 10 of who are devoted exclusively to our design professional clients. We are by far the largest writer of design professionals in San Diego, and we are one of the leading specialists in the country. That means your account will be handled by experienced, highly trained individuals who understand your business and are committed to providing you an elevated level of service unavailable elsewhere. We have the expertise you need to reduce your Total Cost of Risk and drive additional dollars to your bottom line.
Exposure Analysis. We deliver a systematic approach to evaluating and reducing your loss exposure. We do not believe you should insure every exposure. We do believe you should clearly understand your exposures and thereby make educated decisions to manage, control, retain or insure them.
Market Knowledge. Our continuous study and assessment of the professional liability insurance arena enables us to access the key markets our clients need. Professional liability underwriters are located throughout the country and we make the extra effort to meet with them personally, face to face. Insurance is a relationship business and we treat our insurance company relationships with as much importance as our client relations. In most situations, we are the insurance company’s lead broker in San Diego. Our efforts enable us to effectively market your account to the right underwriters in order to obtain the appropriate coverage at the lowest realistic price.
Risk Control. We have developed a series of custom questionnaires and checklists to help determine what you need to effectively manage and control your loss exposures.
Contract Review. Every contract you sign has risk transfer implications. Premises leases, auto rental agreements, professional services contracts - they all need to be reviewed by an experienced and knowledgeable broker for risk management and insurability implications. We will review your contracts to make certain you understand the risks you being asked to accept and we’ll advise you on whether they are equitable and insurable. (Our advice is not a substitute for a legal review.)
Education. We can help you reduce your Total Cost of Risk, but we can't do it without your participation. To help you make educated decisions, we hold client educational seminars designed specifically for design professionals. These seminars include titles such as Contract Review, The Top 10 Things You Can Do To Reduce Your Cost of Risk, and How to Hire and Fire. We also hold more general seminars that focus on risk management, sexual harassment (required by law for employers of 50 or more), human resources, post-accident response training and OSHA, to name just a few.
Application Assistance. Many brokers simply take your completed application and forward it on to the insurance company. We prefer to sit down with you and review your application line by line so we can make certain that it is completed correctly and, equally important, that you understand the underwriting ramifications of each question. Your insurance application can serve as an audit of your business practices and we can help you determine which practice areas need to be addressed to lower your Total Cost of Risk.
Professional Societies. Cavignac & Associates is active in many local professional associations including the American Institute of Architects, CELSOC, ASHRAE, SEAOSD, ASLA and SDA. We contribute our time, money and expertise to advance the interests of these organizations and the professionals they serve.
Professional Liability Agents Network (PLAN). Cavignac & Associates is your only local broker who is an active member of PLAN -- the Professional Liability Agents Network. PLAN is a group of independent agencies from across the United States, Canada and Puerto Rico that specializes in risk management and insurance for design professionals. What does this mean for you? PLAN gives us access to exclusive resources and an information sharing network unparalleled in the insurance industry. It is a dynamic catalyst for providing you with more information and education programs. It also affords us the opportunity to regularly meet as an influential group with the underwriting community dedicated to design professionals.

Additional Services

Cavignac & Associates also provides services such as:

HR Consulting
OSHA Citation Counseling
Real Property Replacement Cost Estimates
Disaster Planning
Certificate of Insurance Tracking