Our Services

Property & Casualty

A company’s property and casualty insurance program is the most effective tool for balance sheet and asset protection.  It is critically important for any business to identify the risks that it faces, develop an understanding of how to address those risks, and effectively transfer that risk to an insurance company when necessary.  Improper limits, gaps in coverage, or uninsured risks can place the future of the entire enterprise in jeopardy.  It is equally important as a company evolves for its insurance programs to evolve with it, always supporting the overall corporate goals and objectives.
 
The Lammel & Associates team has four decades of experience in consulting clients on program design, marketing, implementation and claims for all property and casualty insurance coverages.  Our goal is to help you understand when risk transfer is appropriate and what insurance products are available to protect your company’s financials. 

Alternative Risk Finance

The day to day operations of a captive or risk retention group present a unique set of challenges separate from those often faced by a traditional insurer.  Our scope of services offered to alternative risk clients includes new member solicitation, underwriting, policy issuance, billing, coordination with state Insurance Commissioners, general legal and regulatory support, banking, claims handling, and financial rating reviews.
 
Our team has overseen the management of risk retention groups that have seen AM Best rating increase to A (Stable) and A’ (Unsurpassed) by Demotech and have worked both direct with member insureds as well as through other agents. 
 
Please contact us for more information on how our team can support your captive or risk retention group.

Surety

Often overlooked in favor of casualty and benefits insurance programs, the surety team at Lammel & Associates understands that surety plays a critical role in the operations of our clients.  L&A has experience in the following areas:

  • Contract Surety – including bid bonds and performance bonds, our team has bonded single jobs up to $40,000,000.

  • Commercial Surety – including self-insured workers compensation bonds, reclamation bonds, court/appeal bonds and other miscellaneous instruments, our team has handled bond programs up to $300,000,000.
     

Employee Benefits

We understand that your benefits packages are a key factor in attracting, retaining, and caring for your employees and their families. In the ever-changing arena of group benefits, Lammel & Associates provides solutions to our clients ranging from small group plans to large self-insured programs.  Our team stays up to date on the latest legal and regulatory changes and helps to deliver cost effective solutions that meet all current requirements.