The Whitmore Group’s Commercial Insurance staff has coordinated the Property & Casualty insurance coverages for some of the most intricate industry classes. We understand the need to identify each of the exposures you face everyday and then review your current insurance coverages to ensure that you have proper protection. Following our review of your current insurance program, we will recommend a structure for your coverages that will benefit you – and your company – economically and efficiently.

Whitmore has a significant understanding of each insurance company’s underwriting appetite and we won’t waste time by approaching every insurance company just so we can tell you we did! Instead, we will identify the insurance companies best suited to provide coverage for your type of business and negotiate the most favorable pricing and terms on your behalf. Whitmore has extensive brokerage relationships with each of the nation’s most reputable and financially stable insurance carriers which affords us the ability to place your coverage with the most appropriate company.

Knowing that your assets are protected and that your coverage is provided by an insurance company that will be around to pay for claims will provide you with the peace of mind that enables you to focus on your business – not your insurance.

Whether you are a wholesaler, a financial or educational institution, a service operation or law firm, Whitmore can evaluate your current insurance program and propose a more comprehensive and more affordable insurance option without sacrificing coverage.

Real Estate Insurance clients are offered a range of products and policies, including –

• Package policies
• Monoline Property and General Liability policies
• Boiler and Machinery
• Workers Compensation and Disability Benefits
• Automobile
• Umbrella Liability
• Directors and Officers Liability
• Commercial Crime
• Employment Practices Liability
• Lead Liability
• Pollution Liability and Mold

Real Estate Insurance clients include –

• Residential Condominium and Homeowner Associations
• Commercial Condominiums
• Cooperative Apartments
• Rental Apartment Buildings
• Office Buildings
• Shopping Centers
• Lessors Risk
• Industrial Properties

The Whitmore Group Real Estate Division’s client-centered approach to Real Estate insurance means a competitively priced Property & Casualty program without compromising coverage.

It is no secret that today’s funeral industry practitioner demands expert knowledge, responsive service, and reliable protection from the world’s most financially secure insurance carriers. We, at The Whitmore Group, have developed a national insurance program that satisfies each of the above expectations while providing a customized solution and Whitmore’s commitment to help you achieve the goals you have established for your business.

Over the years, we have identified the specific exposures of the funeral industry and addressed these exposures with the proper insurance coverages. We have developed competitively priced insurance programs that meet the coverage requirements of our clients.

Please allow Laura Biviano, Vice President of Whitmore’s Funeral Services Insurance Division, to provide you with a risk assessment and comprehensive proposal. Laura can be reached at (888) 747-3343. We know you will agree that, at The Whitmore Group, A Relationship Is A Partnership.

Our Funeral Services include –

Property Coverage

Determining the correct type of property coverage is the sign of a qualified insurance professional. Whether you rent or own your own business offices, our account team can recommend the right policy for you.

Liability Coverage

• Premises Liability 1,000,000 / 2,000,000
• Directors and Officers Liability
• Professional Liability 1,000,000 / 2,000,000
• Employee Benefits Liability

Automobile

• Liability
• Medical Payments
• Uninsured / Underinsured Motorist
• Physical Damage to your automobile
• Personal Injury Protection
• Optional Coverages

Workers Compensation
Program Options:

• Traditional Guaranteed Cost Programs
• Deductable & Loss Sensitive Retention Plans
• Retrospective Rate Plans
• Self-Insurance Qualification Analysis

Umbrella Coverage

At Whitmore, we understand that your business is, perhaps, your most prized asset and the protection of this asset is of utmost importance to you and your family. When you purchase an Umbrella Liability policy, you will have liability limits and coverages that protect you in excess of the primary limits afforded by your General Liability, Professional Liability, Automobile Liability and Employers Liability polices.

Our Personal Insurance clients are informed of the various insurance policies available to them as well as the actual application of the coverages provided by each policy.

We offer a broad range of personal insurance products, including –

• Homeowner (dwelling, condominium, cooperative apartment, renters)
• Automobile
• Special Interest Automobile
• Watercraft
• Valuable Personal Possessions (jewelry, fine art, collectibles, etc.)
• Personal Umbrella
• Excess Personal Umbrella
• Flood
• Excess Flood

The Whitmore Group places significant emphasis on securing quality insurance coverage for you and your family. While we realize that cost is extremely important to you, we believe that the actual insurance contract and policy wording are of equal importance. In the long run, a well-structured personal insurance program will, more often than not, lead to lower costs to you while providing a broader scope of insurance coverage.

The Whitmore Group’s Personal Insurance Division consists of experienced insurance professionals who realize that our relationships with our clients are paramount. We will design and maintain up-to-date personal insurance programs for you in order to ensure that the full extent of your exposures are protected. We look forward to hearing from you.

We ask you to inquire about how our services can be a benefit to you.

• Access to all carriers
• Service Small Group plans
• Service Large Group plans, including self-insured groups on a nationwide basis

Group insurance products menu

• Medical
• Dental
• Vision
• Life & AD&D
• Long Term Disability
• Short Term Disability
• Voluntary Products

Experienced Staff

• Over 15 years experience in the group insurance industry.
• Our client service is our number one priority.
• Our responsibilities to our clients include, enrollment issues, billing questions, and plan design changes.
• We provide human resource administration support to your business.
• We remarket your program on an annual basis by showing you alternatives within your existing insurance carrier as well as other options that are available in the marketplace.

Some of the vehicles utilized to achieve these results include –

• Life Insurance
• Disability Insurance
• Long-Term Care Insurance
• Investments
• Executive Benefits
• Buy-Sell Agreements
• Key Person Life
• Deferred Compensation
• Section 412i Plans
• Retirement plans
  • Defined Benefit Plans
    • Cash Balance Plan
    • Annuity Plan
  • Defined Contribution Plans
    • Profit Sharing Plan
    • Money Purchase Plan
    • Simple Plans
    • 401K Plans
    • Stock Bonus Plans and Employee Stock Option Plans

The Whitmore Group’s Financial Services staff are licensed professions. We invest our time to learn about each client’s financial objectives, time horizon and risk tolerance. Our services include projected results, tax implications, and investment alternatives.

Whether your claim is automobile-related or an alleged third-party injury, our Claims Services Division will advise you of the reporting process as well as work to facilitate your needs so that you can get back to more important matters – your business.

The Whitmore Group’s Claims Division provides the following services:

• We execute First reports from our clients.
• We report claims to insurance companies upon notification by our insured.
• Assist new clients in the event that they experience difficulties during “routine” settlements.
• Follow up with clients and insurance companies to ensure that all involved parties are in agreement regarding a fair and rapid settlement.
• Negotiate with carriers to determine the appropriate level of reserves that are set for Liability & Workers Compensation claims.
• Monitor third-party collision claims for insureds who are not responsible for accidents or for those insureds that do not have collision coverage.

We, at the Whitmore Group, are prepared to assist clients with respect to questions involving all types of coverage as well as how those coverages impact our clients’ claims.

Management consulting services: Comprehensive Analysis of the business including, Cash Flow, Funding, Human Capital Management, Performance, Growth, and Succession Strategies.

Sales and Marketing development and implementation including: Sales and recruiting strategies; Sales incentive based pay structure creation; Assistance in screening, interviewing and hiring salespeople as a profit center rather than an expense.

BUSINESS DEVELOPMENT/OPERATIONS REVIEW

Perform an in depth unbiased review of: company history, organization, sales, expense control, policies, procedures, systems and financials. Make recommendations on strengths and weaknesses based on review to maximize profits. Profit engineering by developing and recommending incentives to key business drivers.

DIRECTOR / EXECUTIVE MANAGEMENT AND ADVISORY BOARD CONSULTING

Assisting management in reviewing organizational changes, analysis of existing business issues. Assisting in the development of strategic plans for improvement.

COMMERCIAL PRIVATE LENDING SERVICES

Our Commercial Private Lending Services include:

• We offer funds to borrowers in need of immediate capital.
• We can provide money in as little as 7 days.
• We lend against all property types including: multifamily, hotels, land, office, industrial, retail, single family and partnership interests.
• We can fund any type of transaction including: purchase, refinance, new construction, development, foreclosure, bankruptcy and others.