PROPERTY AND CASUALTY
Multifaceted Expertise
With a foundation built on expertise and a forward-looking approach, Alterity partners with clients to shape insurance strategies that are both comprehensive and cost-conscious. As independent advisors, we go beyond product offerings—our focus is on demystifying risk and delivering solutions that align with each client’s unique goals and challenges.
Alterity offers unbiased advice, considering all administration models — outsourced, co-sourced or in-house — based on what best suits each client’s needs and objectives.
Providing clients with the technical expertise and resources required to effectively administer all aspects of their risk management program, including oversight of broker, vendor and carrier deliverables.
Our workers’ compensation goals align with yours: manage claims, control costs, and stay ahead of industry and legislative changes. We assist clients in evaluating self-insurance options for their programs. When feasible, we guide them through state approval and program setup and provide ongoing plan oversight.
Helping lenders reduce risk and protect their financial interest in real estate and collateralized loans. By bridging the gap between lending and insurance contracts, we streamline the closing process and minimize the risk of potential losses, ensuring borrowers comply with lender insurance requirements.
Private Equity
We cater to the unique needs of private equity firms by offering specialized insurance expertise. Our services help leverage overall portfolio insurance buying power, streamline risk management standards, and ensure individual portfolio insurance programs effectively protect operations and assets.
Schools and Municipalities
We provide risk management, self-funded workers’ compensation advice and program management. From feasibility and initiation to ongoing maintenance, our services include third-party administrators (TPA) selection and management, claims oversight, budget preparation and client presentations.
Private Risk Insurance
Families and their advisors take tremendous care to grow and safeguard assets. We engage a holistic risk management approach to protect families, possessions and net worth.
Property & Causalty Services
Our services offer tailored solutions that align with your organization’s needs, whether you’re a business owner, private equity firm, family enterprise, municipality or public educational facility. We are committed to providing expert insurance reviews, due diligence and benchmarking to help you enhance the performance of your insurance programs.
Our expertise covers a broad range of global benefits and HR domains
Private Equity
School Districts
Private Risk Advisory
Private Equity
School Districts
Private Risk Advisory
Our expertise covers a broad range of global benefits and HR domains
Insurance Program Review & Analysis
Indepenent review and analysis of insurance program to ensure accuracy, adequacy and efficiencies.
Program Remarketing
Remarketing of policies to ensure competition across carriers and placement that supports clients' evolving needs.
Vendor Evaluation and Procurement
Scorecard assessment to ensure service fulfillment.
Request for Proposals Services
Management of Broker and Carrier RFPs to ensure the best partners, programs and solutions for clients.
Ongoing Insurance Risk Management Services
Continuous oversight to maintain proactive insurance fulfillment from Brokers and Carriers.
Claims & Audit Review
Regular audit support and claims evaluation for compliance.
Special Projects
Flexible risk management support tailored to specific needs.
Workers Compensation
Assessment of program effectiveness to optimize coverage, cost efficiency, and regulation compliance.
Self-Insured Feasibility Study
Analysis of financial and regulatory factors to determine viability of self-insurance option for workers’ compensation program.
Claims Support and Audits
Experienced claims management and audit services to ensure accuracy, compliance, and cost-effective resolution.
Excess (Stop Loss) Remarketing and Placement
Secure competitive stop-loss coverage to limit financial exposure.
Self-Insured Program Management
Oversight and administration of self-insured programs, to enhance efficiency, risk mitigation, and regulatory compliance.
Vendor and TPA Contract Analysis and Benchmarking
Review and compare contracts to ensure optimal service levels and cost-effectiveness.
Vendor and TPA Request for Proposal Services
Management of RFP process to identify and secure best third-party administrators and vendors.
Claims Analytics & Causal Analysis
Data analysis to uncover trends, root causes, and actionable insights for improving claims outcomes and managing risk.
Scripting of Loan Insurance Requirements
Assess and update Lender insurance requirements for borrower compliance.
Origination & Renewal Insurance Reviews
Review and benchmark borrower insurance to ensure compliance with Lender’s requirements.
Insurance Compliance Monitoring
Monitoring of renewal insurance coverage & documentation to ensure compliance over the life of the loan.
Portfolio Insurance Audits
Audit loan portfolio to ensure insurance documentation meets loan requirements.
Lender Specific Insurance Coverages
Insurance solutions for Lenders including Mortgage Impairment, Forced Placed Coverage and ORE.
Private Equity
Portfolio Insurance Program Reviews
Independent review and analysis of portfolio insurance program and broker services.
Leveraged Purchasing
Assessment of carriers and coverage combinability across PE portfolio to drive cost savings.
RFP Services
Management Broker RFPs to identify and ensure the best partners, programs and solutions for PE and portfolio companies.
Broker Services Contract Review & Benchmarks
Establish core broker service requirements with PE portfolios use to ensure consistency of services.
Insurance Program Monitoring & Management
Customization of monitoring platform to collect and house insurance policies for PE portfolio companies.
School Districts
Self-Insured Program Management
Oversight and administration of self-insured programs, to enhance efficiency, risk mitigation, and regulatory compliance.
P&C Program Evaluation & Analysis
Independent review of school property & casualty program to ensure accuracy, adequacy and efficiencies.
Self Insured Plan Documents
Review and update plan document and benchmark against peers.
Board and Committee Meetings
Attendance and presentations for District and Plan meetings.
Oversight of Actuarial Analysis & Benchmarks
Select actuary and manage fulfillment of required data for analysis.
Training and Education
Perform specific insurance training and education for school officials and employees.
Private Risk Advisory
Independent Insurance Program Review
Assess by evaluating brokers, coverage, and market options to ensure evolving needs are met effectively.
Broker Selection and RFP Services
Perform a methodical process for identifying and selecting candidates that meet your evolving family needs.
Program Remarketing Services
Work collaboratively or independently to assess the market for competitive program options.
Insurance Program Review & Analysis
Indepenent review and analysis of insurance program to ensure accuracy, adequacy and efficiencies.
Program Remarketing
Remarketing of policies to ensure competition across carriers and placement that supports clients' evolving needs.
Vendor Evaluation and Procurement
Scorecard assessment to ensure service fulfillment.
Request for Proposals Services
Management of Broker and Carrier RFPs to ensure the best partners, programs and solutions for clients.
Ongoing Insurance Risk Management Services
Continuous oversight to maintain proactive insurance fulfillment from Brokers and Carriers.
Claims & Audit Review
Regular audit support and claims evaluation for compliance.
Special Projects
Flexible risk management support tailored to specific needs.
Workers Compensation
Assessment of program effectiveness to optimize coverage, cost efficiency, and regulation compliance.
Self-Insured Feasibility Study
Analysis of financial and regulatory factors to determine viability of self-insurance option for workers’ compensation program.
Claims Support and Audits
Experienced claims management and audit services to ensure accuracy, compliance, and cost-effective resolution.
Excess (Stop Loss) Remarketing and Placement
Secure competitive stop-loss coverage to limit financial exposure.
Self-Insured Program Management
Oversight and administration of self-insured programs, to enhance efficiency, risk mitigation, and regulatory compliance.
Vendor and TPA Contract Analysis and Benchmarking
Review and compare contracts to ensure optimal service levels and cost-effectiveness.
Vendor and TPA Request for Proposal Services
Management of RFP process to identify and secure best third-party administrators and vendors.
Claims Analytics & Causal Analysis
Data analysis to uncover trends, root causes, and actionable insights for improving claims outcomes and managing risk.
Scripting of Loan Insurance Requirements
Assess and update Lender insurance requirements for borrower compliance.
Origination & Renewal Insurance Reviews
Review and benchmark borrower insurance to ensure compliance with Lender’s requirements.
Insurance Compliance Monitoring
Monitoring of renewal insurance coverage & documentation to ensure compliance over the life of the loan.
Portfolio Insurance Audits
Audit loan portfolio to ensure insurance documentation meets loan requirements.
Lender Specific Insurance Coverages
Insurance solutions for Lenders including Mortgage Impairment, Forced Placed Coverage and ORE.
Private Equity
Portfolio Insurance Program Reviews
Independent review and analysis of portfolio insurance program and broker services.
Leveraged Purchasing
Assessment of carriers and coverage combinability across PE portfolio to drive cost savings.
RFP Services
Management Broker RFPs to identify and ensure the best partners, programs and solutions for PE and portfolio companies.
Broker Services Contract Review & Benchmarks
Establish core broker service requirements with PE portfolios use to ensure consistency of services.
Insurance Program Monitoring & Management
Customization of monitoring platform to collect and house insurance policies for PE portfolio companies.
School Districts
Self-Insured Program Management
Oversight and administration of self-insured programs, to enhance efficiency, risk mitigation, and regulatory compliance.
P&C Program Evaluation & Analysis
Independent review of school property & casualty program to ensure accuracy, adequacy and efficiencies.
Self Insured Plan Documents
Review and update plan document and benchmark against peers.
Board and Committee Meetings
Attendance and presentations for District and Plan meetings.
Oversight of Actuarial Analysis & Benchmarks
Select actuary and manage fulfillment of required data for analysis.
Training and Education
Perform specific insurance training and education for school officials and employees.
Private Risk Advisory
Independent Insurance Program Review
Assess by evaluating brokers, coverage, and market options to ensure evolving needs are met effectively.
Broker Selection and RFP Services
Perform a methodical process for identifying and selecting candidates that meet your evolving family needs.
Program Remarketing Services
Work collaboratively or independently to assess the market for competitive program options.