Business Insurance

TaveRM builds comprehensive risk management programs to protect your operations and valuable assets from loss. We support you through each step of this process, using our extensive network of domestic and international broker partners.

We align our service model and insurance programs to help you achieve your goals. How do we do this? With our holistic approach, TaveRM collaborates with you to assess existing and potential risks. We also:

  • Develop and implement necessary, real-world measures to minimize loss.
  • Identify ways to transfer risk using insurance and other thoroughly researched methods.
  • Monitor your ongoing risk management strategies and adapt them to changing priorities and conditions.
  • Strengthen internal controls in order to provide cost effective risk assumption.


With personalized customer service and collaborative consulting skills in our tool box, TaveRM can support a wide range of your business processes. Our team can help implement risk management information systems as well as provide program management services. We conduct a formal assessment of your processes and associated risks. Extending this work, our staff can develop and document procedures and help with implementing new strategies.

TaveRM manages Third Party Administrators in a variety of ways. We can prepare requests for worker's compensation claims handling, conduct interviews, benchmark depth and cost of services, and act as your liaison. We can also conduct due diligence and provide actuarial services.

Alternative Risk Finance

TaveRM excels at design of custom and innovative risk financing arrangements, including development of sophisticated decisions support models. Our clients enjoy the lowest possible insurance costs and collateral obligations.

  • Loss Forecasting and Reserve Analysis
  • Loss Volatility Analysis
  • Economic Cost of Risk / Retention Level Optimization
  • Captive Feasibility, Business Planning, and Strategic Utilization
  • Total Cost of Risk Analysis and Allocation
  • Group Program Development and Management


TaveRM understands the risk associated with owning and operating a business. In an uncertain and evolving world, our clients need coverage that can protect them from various hazards. We are experts in the General Liability and Property insurance coverages that protect you from all types of exposures.

Our team is highly experienced in managing challenging risks and difficult exposures. We specialize in obtaining coverage for certain industries for which coverage is challenging to place. We specialize in:

  • Merger & Acquisition due diligence and transactional work for strategic buyers and private equity firms
  • Manufacturing Risks
  • Products Liability
  • Complex Real Estate Portfolios
  • Cultural Institutions, Universities, & Not-for-Profit organizations

Our Risk Management experts review your operations, determine areas requiring specific coverage, and consult with you to build an optimum insurance program providing the broadest possible coverages.


TaveRM offers individually tailored services to meet all your surety needs and support the growth of your company's bond program. Our dedicated professionals promptly administer your bond requests, achieving the positive results you expect. TaveRM maintains relationships with only A-rated surety markets.

We provide placement for all type of surety including:

Contract Surety

  • Bid Bonds
  • Performance and Payment Bonds
  • Maintenance Bonds
Commercial Surety
  • License and Permit Bonds
  • Custom Bonds
  • Notary Bonds
  • ERISA Bonds
  • Supply Bonds

TaveRM regularly reviews your operations and consults with you to build an optimum surety program that fulfills your needs.

Private Client

TaveRM recognizes the time and effort you've invested in building security and wealth for your family. Our Private Client team will help you protect your personal assets for your security and for the benefit of your heirs and legatees.

Because every client's risk factors are unique, we conduct a detailed, individualized assessment to select ideal coverage components of your insurance program. TaveRM is well versed in coverage analysis and placement in the following areas:

  • Excess and Umbrella Liability Coverage
  • Yachts and Boats
  • Automobiles
  • Residential Properties
  • Private Art Collections and Antiques
  • Jewelry and Furs
  • Domestic Workers' Compensation
  • Combining personal and commercial insurance to achieve the most robust and cost effective coverage.

Private Client partnership doesn't stop after the initial risk assessment. Using a full-service approach, our team adapts your program as changes in your lifestyle occur. TaveRM is proud to measure our success by how effectively we meet your personal needs, protect your entire portfolio, and ensure the security of you and your family for years to come.