Innovative Coverage Concepts, LLC (ICCSM) is an intermediary focused exclusively on delivering quality business insurance products and services to brokers throughout the United States for their restaurant clients. 

Special Insurance Programs for Business

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Innovative Coverage Concepts, LLC (ICCSM) is a Program Manager focused exclusively on the development and delivery of specialized insurance programs for businesses.

 

National Accounts

ICC is an established leader in providing insurance coverage for well-managed businesses —not only for those with one or several locations, but also for those whose exposures span many locations and more than one state. We understand that such businesses require special techniques, resources, and attention.

Different Approach  

  • We use a year-round, ongoing process to help you manage your account.

  • Traditional account marketing 60 days before expiration usually results only in declination letters and eleventh hour quotes

Exposures  

  • We are advocates for your business.

  • We prepare a professional underwriting submission that tells your story in the best possible light, explaining to underwriters why they should write your account at an attractive rate. 

Advanced Techniques

  • Alternative risk management techniques, such as self-insured retentions, large deductibles, or even captive insurance programs are available to minimize costs.

Losses

  • We examine loss detail to uncover opportunities for loss improvement.

  • We also make a case for excluding certain extraordinary losses allowing us to use better “experience” and a lower “loss pick.”

Loss Control 

  • Focusing on proactive measures to prevent claims from occurring.

  • Making sure that the carrier only pays third-party claims that are truly justified.

These are just a few examples of the special attention and know-how we extend to national accounts to achieve superior results.

Interested in learning more?
Call us toll free at 866-577-7007
 

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Revised:  January 25, 2009

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