High Risk
We specialize in what are called “high risk” or “high hazard” industries. Staffing companies, general contractors, roofers, truckers — we have your solutions.
Innovative Thinking, Innovative Results
Commercial insurance for the risks other brokers turn away.
Innovative Risk Management is a specialized commercial brokerage built on a radical concept: your needs and objectives come before those of insurance companies or other special interests. One goal — real solutions for your risk management and insurance needs.
- Years placing hard-to-place risk
- 20+Years placing hard-to-place risk
- Carrier relationships, admitted and E&S
- 50+Carrier relationships, admitted and E&S
- Serving the staffing industry since
- 2006Serving the staffing industry since
What we specialize in
Hard risk is not a problem to us. It is the practice.
Staffing firms, general contractors, roofers and truckers come to us after being told no. Here is where we do our best work.
High Experience Mod
The carriers we deal with understand that bad things happen to good companies. Successfully dealing with a high experience mod is one of the things we do best.
Assigned Risk
Because we have access to many more carriers than a standard brokerage, we specialize in taking businesses out of the various state funds and saving them the surcharges.
Services
Specialty programs built around how your industry works.
Workers’ compensation, general liability, auto, umbrella, EPLI, surety and supplemental health benefits — placed with carriers who understand your class of business.
Request a quoteStaffing
Since 2006 we have been successfully working with staffing firms. We offer specialty programs tailored to the specific needs of the staffing industry, covering every aspect of its insurance needs — workers’ compensation, general liability, auto, umbrella and EPLI coverages.
Elysian Healthcare
A supplemental health management plan that works alongside existing coverage rather than replacing it. Pre-tax premiums reduce the employer’s FICA contribution while enrolled employees keep their take-home pay — and gain 24/7 virtual care, wellness coaching and hospital indemnity benefits. Payroll-integrated, with implementation in six to eight weeks.
Bonding
Our depth of experience in all types of bonding enables us to provide cost-effective bonding solutions to contractors and other businesses looking to secure bonding.
Analyze Your Business
We have decades of insurance and risk management experience and know that no two businesses are alike. We listen to the needs of our clients and offer as much or as little claims, loss prevention and auditing service as our clients dictate.
About us
Consultants and trusted advisers — who happen to sell insurance.
We take a dynamic, proactive approach to risk and find exactly the right combination of products and services to help manage it.
Our Team
Obviously we are in the insurance business, but there’s a lot more to us than that. Our clients refer to us as consultants and trusted advisers. We pride ourselves in taking a dynamic, proactive approach to risk — and in finding exactly the right combination of products and services to help manage it.
Our Management
Our expertise has been built up over decades, but we bring a fresh perspective to what we do. As the economy and the insurance marketplace constantly change, we are always looking for new ways to address risk and insurance needs.
Our Clients
Our greatest strength is that we understand our clients’ goals and needs come before anything else. We pride ourselves in unmatched personalized customer service. This is the main reason for our success — our client retention is well above industry standards.
Innovative Risk Management, LLC · Commercial insurance brokerage · Licensed in New Jersey since 2006
Contact
Tell us about your risk.
Send us the basics and we’ll come back with a straight answer about what we can do — usually within one business day.