Our name and practice embodies risk management. Even the most effective risk management process does not completely eliminate risk. Thus, the risk that one

cannot afford to retain should be transferred.

The process of placing insurance is most effectively done by providing detailed information in a very professional manner to the insurance carriers. The description

of the risk is important, but the most favorable pricing is attained when the underwriting community understands the risk management process that a client has

undertaken. Pledge prides itself in creating and demonstrating transparency between our clients and the carriers. The term partnership may be misused and overused

in today’s business environment; however, labeled as such or not, the carrier has a vested interest in the risk management process.

Too often consumers view insurance companies as a utility. Pledge recognizes that our carriers are investors in risk, and we are engaged to convince them to invest in

the best clients. While we clearly communicate to the carrier the virtues of our clients, the carriers also rely on us to guide these clients to become better, more

investable risks.

Some of the insurance coverage areas include: