 Tangram's Harmony Insurance Program is a member owned group captive program for your larger commercial risks who value the rewards of risk management through risk assumption.
Program Hightlights
- Heterogeneous Group Program - Profits Retained by participating members
- A+ XV Issuing Carrier
- Unlimited Aggregate and Competitive Specific Reinsurance Protection
- Unbundled services for fronting, loss control and claims management
- Lines of business: Worker's Compensation, General and Automobile Liability
- Hetergeneous Target Classes: The program will consider a wide range including some contractor, trucking and temporary staffing classes
- Target premium range: $200,000-$3,000,000 captive premium
- Open to All Brokers
Eligibility
- Heterogeneous program for broad range of industry groups
- Available in most states
- Minimum workers compensation premium of $150,000
- Minimum 5 year-full year loss runs
- Availability of last 2 year's financial statements
Because insured Members of Tangram's Harmony Program will have high-risk sharing element in their program, the integrity of the program will rely upon both disciplined underwriting and a commitment to safety & loss control.
This is a program for your superior accounts who understand the true cost of losses and the true rewards of risk management. For those accounts, Harmony offers not only a first class insurance program but the opportunity to earn financial rewards for controlling their claims.
Preferred Account Characteristics
- Accounts with strong financial results
- Accounts ready to move from an insurance program that does not finacially reward good loss experience - the typical guaranteed cost insurance program
- Privately held companies with entrepreneurial ownership
- Accounts where owners and management are committed to loss control and a safe workplace.
- Ownership that desires to take control of the insurance costs
Contacts
John Shea
Ph: 707-775-2660
Email: jshea@tangramins.com
Susan Krawetz
Ph: 707-775-2661
Email: skrawetz@tangramins.com
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