Insurance for the Doers

Do what you love now and prepare for the journey ahead with Element Risk Management.

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Element Risk Management

Bringing insurance solutions to the doers in the world.

As a doer, you’re used to challenges and working hard for what you’ve built. Whether it’s in your personal or professional life, there are many risks and opportunities around the corner. Element Risk Management is here to protect your lifestyle and your passion. We do so with insurance and risk solutions to help you plan for the unpredictable so you can keep on doing what you love.

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We have your back.

The choices you make today will impact your tomorrow. That’s why our team of insurance advisors are dedicated to helping you navigate the waters of uncertainty and prepare for the journey ahead. We do that by assessing your risks, developing a risk management strategy, and assisting you in finding insurance that fits your unique needs. Because finding ways to address the risks you face with insurance and innovative solutions beyond your policy is what we do best.

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17 offices. 3 states. 1st-class service.

Contact any one of our locations across Pennsylvania, Virginia, and Maryland for insurance services and solutions locally and throughout the 10+ states we are licensed in.

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We Focus On Insurance So You Can Focus On Your Passion

With personal insurance, business insurance, and employee benefits solutions, as well as a team of insurance advisors that have your back, we focus on insurance so you can live your life and build your business.

Personal

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“I have home and auto insurance with Element Risk Management and pricing is very competitive, the office personnel are competent, friendly, and helpful, and any claims are quickly processed. I’ve been with them for years and have no interest in switching.”

-Robin West

“Having worked with other insurance brokers Element Risk Management is the best by far. They show how much they care by always being fast with documents and by answering questions that arise when dealing with insurance policies.”

-Dylan Cook

Business

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Benefits

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“Owning and running a variety of businesses over the past 25 years, I have had a lot of experience working with a number of insurance companies. I am very grateful to have Element as my partner looking out for my insurance and risk exposures.”

-Rob Mayer

Retirement and Financial Planning Services

We help families and businesses find financial clarity and security through innovative financial strategies, solutions, and planning. We empower you to navigate today’s complex financial world by customizing plans that fit your individual and family needs, as well as the needs of your small or large business.

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Insurance for the Doers

Are you a doer? A risk-taker? Element Risk Management can help prepare you for the journey ahead. We do more than just sell insurance. We help our clients control risk so they can fearlessly pursue the opportunities that come their way.

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The Element Risk Management Difference

We’re more than just insurance, we’re focused on helping you plan and prepare for the journey ahead. Here’s how.

10 Decades of Commitment to Our Clients

Focused On You

We are dedicated to excellence and a true understanding of your needs, wants, and goals for your customized insurance coverage.

60+ Experienced Insurance Professionals

Our Vision

As a business, we stand for quality, excellence, and professionalism while leveraging leading-edge technology for industry innovation.

17 Convenient Offices Across 3 States

Going Above and Beyond

We work hard to earn the trust of our clients, with over 130+ five-star reviews and counting. You can count on us for world-class service.

Rated 5-Stars

Real Clients. Real Reviews. Real Coverage.

Read our reviews and see why our clients only choose Element Risk Management for their insurance.

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“Element risk is a very customer-oriented company, I have used them from the very beginning and have no interest in using another company.”

-Carl D.
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Get a glimpse of the risks you face and how your insurance can protect what matters most.

High Net Worth
Water Damage
Risk Factor

Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.

Solution

Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.

Valuable Possessions
Risk Factor

Typically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.

Solution

Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Collector Cars
Risk Factor

Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowners insurance.

Solution

Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.

Cyber Risk Coverage
Risk Factor

With more smart technology in homes and technology at your fingertips, malware, hackers, and other cyber threats can jeopardize your security, finances, and reputation.

Solution

Identity theft, personal injury, and cyber risk coverage may be available as an important add-on coverage to your homeowners policy.

Workers Compensation / Employee Practices Liability Insurance (EPLI)
Risk Factor

There are risks associated with employing domestic staff in your home. Employees can become injured on the job, leaving you to pay out-of-pocket for their medical expenses. Additionally, staff can sue for wrongful termination, privacy issues, discrimination, and harassment claims.

Solution

Be sure to obtain coverage for medical expenses when your staff are hurt while on the job. Additionally, employment practices liability insurance can protect you from high legal costs associated with lawsuits and additional claims from current and past employees.

Additional Living Expense
Risk Factor

When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt. As a result, you could incur additional living expenses for lodging, food, and other daily needs.

Solution

Look for coverage that provides higher limits to ensure that your schedule and your standard of living is not compromised. Additional living expense coverage compensates you for the costs incurred for housing and other living expenses if a covered event makes your home temporarily uninhabitable while it’s being repaired or rebuilt.

Excess Liability Coverage
Risk Factor

You invite guests over for a pool party and one of them dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries.

Solution

An excess liability (or umbrella policy) increases your personal liability limits by adding protection over and above your current auto, boat or homeowners policies. Excess liability insurance is available as separate coverage and offers additional peace-of-mind knowing that you have the protection you need.

Fire
Risk Factor

Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.

Solution

Make sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.

Personal Liability
Risk Factor

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.

Solution

Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing an excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

Flood Coverage
Risk Factor

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flooding. Could your home be at risk?

Solution

Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program (NFIP). In the U.S., a flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write-your-own carrier. Additionally, you may be able to purchase excess limits on your homeowners policy to better protect your home.

Secondary Home / Rentals
Risk Factor

Owning a secondary home or rental property has the potential of increasing your liability exposures.

Solution

Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability policy to provide for additional liability limits.

Travel Insurance
Risk Factor

Traveling is exciting, but there are risks associated with every trip. Whether for work or pleasure, reducing stress always improves the travel experience. If you travel to another country, the insurance policies you have may not be applicable. Other things to consider are costs associated with crime, injury, or death while traveling.

Solution

Various types of travel insurance are available that may offer protection in case of lost baggage, trip cancellation or delays, or trip interruption. You may also want to consider policies that cover accidental death and dismemberment, as well as the repatriation of remains.

Equipment Breakdown
Risk Factor

While your homeowners policy covers a wide array of perils, such as damage caused by a fire or a falling tree, it doesn’t cover some common types of problems that can occur to the equipment in or around your home. For example, a sudden surge from the local power plant might damage appliances, HVAC systems, or your home power generator.

Solution

Add mechanical breakdown coverage to your homeowners policy. If you have multiple homes, it can be purchased for each one individually. Keep in mind that while it does protect against major events, it does not cover normal wear and tear.

Special Event Coverage
Risk Factor

Planning a wedding, bar mitzvah, bat mitzvah, family reunion, or other private event is stressful enough. The last thing you should worry about is severe weather that could cause you to postpone the event. Or, what happens is a vendor goes out of business or declares bankruptcy before your event and you lose your deposit?

Solution

No matter how carefully you plan, things outside of your control can go wrong. Purchase insurance coverage for your event. It’s typically not very expensive and helps keep you focused on all of the things that go into making your event truly memorable.

Mold Coverage
Risk Factor

Insurance companies often limit coverage to remediate mold that arises from a covered loss.

Solution

With many homeowners unaware of this risk or the limits of their own coverage, be sure to discuss the coverage options and loss prevention solutions to help reduce this risk.

High Net Worth Insurance 101

Cover the unique risks you face with high net worth insurance.

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