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Other Professionals

  If you are involved in real estate, high technology, foreign affairs, or any other service business in which you give advice that clients rely on to make decisions, then you have a professional liability exposure. We fully understand professional liability exposures and our specialized expertise gives our clients critical advantages:

  • Specialized Personnel. Cavignac & Associates’ Professional Liability Department handles professional liability accounts exclusively. This means your account will be handled by experienced, educated individuals who understand your business. We are committed to providing you a level of service unavailable elsewhere and the expertise you need to help reduce your Total Cost of Risk and drive more dollars to your bottom line.
  • Exposure Analysis. We apply a systematic approach to evaluate your loss exposures and recommend appropriate solutions. We do not believe you should insure every exposure. We do believe that you should understand your exposures and make educated decisions to manage, control, retain or insure them.
  • Market Knowledge. Our continuous study and assessment of the underwriting marketplace enables us to access the key markets our clients need. Professional liability underwriters are located across the country and we make extra efforts to meet with them personally. Insurance is a relationship business and we treat our insurance company relationships with as much importance as our client relationships. This means we can effectively market your account to the right underwriters in order to obtain the correct 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 can review your agreements to make sure you understand the risks you are 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 educational seminars designed specifically for your risk management needs.
  • Application Assistance. Many brokers simply take your completed application and forward it 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.