TFG Risk Management


Insurance coverage protects your business from the unexpected. The right policy can keep you in business by covering the costs of a lawsuit and any settlement or judgment. The right policy can even protect your business from business interruption costs, as well as the costs associated with a data breach, disaster or employee fraud. By having the right coverage to protect your business, you will have the courage to take the right risks to help your business grow.

Most business owners know what tools and technology they need to run their business, but not always what types of insurance they need and how much coverage is appropriate to help protect their business, themselves, and their staff. Let us help you manage your risk with the following:

Commercial Insurance & Financial Planning

Property & Casualty Coverages
Business Interruption
General, Products, Completed Operations Liability
Automobile Fleets
Workers’ Compensation
Umbrella Liability

Employment Practices Liability
Employee Benefits Liability
Directors & Officers Liability
Trustees & Fiduciary Liability
Worldwide Insurance Programs

Planning for Business Owners
Buy/Sell Agreement Funding
Business Continuation Planning
Key Man Insurance
Group Plans

Health Insurance
Dental Insurance
Life Insurance
Vision Coverage
Long-term Care Insurance
Short & Long Term Disability

Deferred Compensation
Payroll Deduction Insurance
Personal Insurance Coverage

Valuable Items
Umbrella Liability

Our process involves identifying business assets and operations; identifying threats or events that could affect the company; identifying the controls to mitigate those risks; determining the percentage of likelihood that an event will occur; and finally the financial impact. Consider the following:

• The importance of timing - The risk assessment is a continuous process and should be conducted on at least an annual basis, and certainly more frequently if there has been a substantial change in your company’s size, products, or risk profile.
• The importance of an objective opinion – see more than just risks from your point of view within the company.
• The importance of your insurance company’s stability – we will analyze their reserves, record keeping, risk, reviews and ratings.

CONTACT US: From the day an entrepreneur starts a business, it is exposed to certain risks. Fortunately, businesses have access to a wide range of insurance types to protect them. Whether you are establishing or expanding your business, let our insurance experts help you manage your risk. From risk management assessment and insurance coverage evaluation to program design and structure, TFG Risk Management provides experienced consultation and high-quality protection at competitive rates. We believe the client’s needs always come first — a steadfast commitment to personal service that has proven successful for us. We welcome the opportunity to show you why.

Are your individual policies up to PAR? Click here to learn more the about life insurance policy, audit and review (PAR) process.