Benchmark Insurance Companies provide a wide variety of insurance related products, programs and services designed specifically for the retail food industry. In operation since 1979, our years of experience have provided our team of dedicated professionals with a thorough understanding of your business. Working together, our goal is to protect your assets and identify, as well as transfer, your company’s liability exposures.

RISK MANAGEMENT

Risk Management is the foundation of a well-administered program to assure that both store operation and insurance coverages are working together to achieve reduced exposure. We are committed to developing leading-edge risk management services that go beyond the traditional insurance policy. We have long recognized that the underlying principles of controlling insurance costs are related to comprehensive loss-prevention programs and a consistent claims administration function. To assist you in accomplishing these objectives, we can implement these essential services:

• A thorough study of business operations and a detailed review of accident history
  
• A complete review of current safety and loss control programs
  
• Evaluation of loss history with specific identification of problem areas and hazardous conditions, emphasizing both high frequency and severity exposures
  
• Communication and discussion based on evaluations
  
• Development and implementation of an “Action Plan” for new and existing programs
  
• Presenting to you the latest solutions, ideas, techniques, products and services available to reduce loss potential

WORKERS COMPENSATION

Participation in our workers’ compensation program offers retailers with good loss experience an opportunity to share in the profits through participating policies paying dividends. Our workers’ compensation program utilizes a managed-care environment designed specifically to return injured workers to gainful employment, helping you contain costs.

PRODUCTS

Benchmark Insurance Companies can add value to your operations by providing the following products and services:

• Property, including earthquake and flood
  
• Off Premises Power Failure
  
• Broad Form Crime
  
• Food Spoilage
  
• Equipment Breakdown
  
• General Liability, with no medical payments feature
  
• Auto Protection
  
• Bonds
  
• Umbrella
  
• Employment Practices Liability