We Know Your Niche.

Risk | Insurance | Services

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When you ask yourself why Industria, the answer will seem obvious—as our name suggests, we know your niche. We work in tandem with you to understand not only your risk and insurance service needs, but what you aspire to achieve as a company. We pride ourselves in being different in our approach to managing your risks and in making a difference—for our clients and the communities we serve.


Every day, your industry faces a new and growing world of risk. Pressures from the marketplace and the global political landscape only add to the perennial issues—from labor shortages and food safety to the rise of cyber crime and the need to upgrade security measures. It is for these reasons, and so many more, that our clients have chosen to partner with the industry professionals at Industria Risk & Insurance Services. Our deep understanding of the risks associated with their business, empower them to act, interact and react to the shifting trends of the industry.

When it comes to managing risk, you have five options: terminate, tolerate, treat, train and transfer. We terminate what we can, we tolerate what we must, and transfer what we can through the right insurance products and third-party out-sourcing contracts.

Whether you are looking for assistance with your on-site inspections and regulatory compliance training, or looking to go above and beyond the mandated programs by providing supervisory training, training in how to handle guest incidents, or simply improve upon your incident report writing skills, we are there with our “treat” and “train” expertise. We know, statistically, that the only effective way to treat and train these risk exposures is to attack them using a behavior-based loss control model, and that is where we really shine. And while we focus most of our efforts on pre-loss activities, when all else fails, we are also there with industry-focused claims advocacy and stewardship activities that go above and beyond annual renewals and quarterly reviews.

Industry-Focused Claims Advocacy
As a client of Industria Risk & Insurance Services, you are afforded invaluable insight and guidance in all aspects of claims management and resolution. Our objective is to ensure that the risk and insurance products we negotiate on your behalf respond as intended, with minimal delay and disruption to you.

  • Providing day-to-day assistance on claims issues and claims handling matters
  • Evaluating coverage applicability
  • Assisting with the claims recovery process and litigation support
  • Facilitating and participating in claim reviews
  • Providing access to underwriters’ senior claim executives
  • Assisting in the development of loss and special handling instructions
  • Helping you anticipate what to expect from underwriters on complex claims
  • Identifying and correcting any breakdowns in the claims-handling process
  • Identifying claim trends
  • Developing loss control procedures to address repeat loss patterns

Behavior-Based Safety & Loss Control
Understanding that 95% of all employee and guest incidents are behavior-based, it is important that we address our loss control efforts with that statistic in mind. Our loss control model is consistent with the hospitality service philosophy and one of the most distinguishing characteristics of our firm.

Our approach emphasizes industry expertise, planning, teamwork, and tangible results. We are experienced in driving “best practice” initiatives to successful completion, using a multidisciplinary team of experts in the areas of program development and administration, data analysis, and risk information consulting. And although we are skilled at strategizing on the “big picture,” we pay close attention to the details in day-to-day activities and have found that embedding our behavior-based safety and loss control programs within the framework of your operations, creates a sense of ownership and loyalty across all levels of the client, broker and carrier team.

Outcomes of this partnership that have proven to be beneficial to our client population include:

  • Reduction in employee and guest injuries and illnesses
  • Cost reduction in insurance premiums and associated costs of loss
  • Increased ownership of health and safety
  • Improved overall safety awareness
  • Better informed completion of accident investigation efforts
  • Increased productivity
  • Boosted sales efforts in promoting a stellar safety performance
  • Improved employee morale

Safety & Security Training Program Development
One of the most common misconceptions we see in the area of hospitality risk management is in the presumed similarities between the concepts of safety and security. While they both fit nicely under the umbrella of risk management, they are very different areas of risk.

In the world of hospitality and gaming, security efforts are largely directed toward front-of–the-house exposures—guest incidents and accidents, while our safety programs are geared more toward the heart-of–the-house addressing our employee safety practices. But how we handle guest and employee incidents from the moment they happen, have a significant impact on the overall outcome of the claim.

At Industria Risk & Insurance Services, it is our deep understanding of the industry and associated risks that have driven us to develop very specific training programs, tailored not only to the unique concepts of safety and security, but to the very specific risk exposures of our client portfolios and profiles.

Outlined below is a small sample of the training classes we have developed for several of our clients:

  • Handling Guest Incidents
  • Supervisory Safety Training
  • Regulatory & Compliance Training for the Hospitality & Gaming Industries
  • Accident Investigation Techniques & Report Writing
  • Department Specific Safety Training
  • Job Safety Analysis (JSA) Development & Training

Regulatory Training & Compliance
Each industry is mandated to comply with government regulated safety training as dictated by the specific risks associated with their risk exposures. As referenced in the Safety & Security Training Program Development section above, Regulatory Training & Compliance is one of the many services provided by Industria Risk & Insurance Services.

Whether you are a large hotel chain, a small restaurant group, a gaming operation, team sport or an entertainment venue, we know the regulated training required for your industry, and are prepared to develop a program, specifically tailored to your regulatory training needs and compliance mandates.

Some of the more common regulatory safety training programs required for our industries include:

  • Hazard Communication/Global Harmonized System
  • Bloodborne Pathogens Exposure Control
  • Lockout/Tagout (Electrical Energy Isolation)
  • Safety Committee Development & Training
  • Emergency Planning & Preparedness
  • Permit-Required Confined Space Training
  • Respiratory Protection Program

On-Site Inspections
At Industria Risk & Insurance Services, there is no such thing as “check the box” safety. While a lot of safety and security questions and considerations can be addressed over the phone, performing on-site inspections isn’t among them. With over two decades of on-site safety inspection expertise, we know the importance of “walking” a property and the value it brings to our clients. We are also not using the time to point out what you’re doing wrong—we are there for you, and by extension for the health and well-being of your guests and employees.


From basic property claims, slip-and-fall incidents, and transportation faux pas, to the more complicated incidents surrounding bed bugs, identity theft and employee practices liability, we know the risks and more importantly, the insurance products that you will need to respond and protect you from the ever-evolving risk and insurance challenges faced by your unique industry today.

Industries face a host of risk exposures—exposures to loss and lawsuits that are unique to the multi-faceted businesses we operate within. With that in mind, it is important that our clients understand the full range of product offerings available to them, and the terms and conditions under which they are offered.

Because of their geography or other unique circumstances, a number or our clients are faced with exposures far exceeding the basics of property and casualty insurance in areas such as marine, environmental considerations, builder’s risk and international exposures, not to mention the more catastrophic weather-related exposures to named-storm, flooding and earthquake activity.

And being part of an industry dictated by the service levels provided by their employee population, they must also be fully aware of the sole remedy laws surrounding workers’ compensation, and the best ways to manage what can be a very complicated and arduous system; the laws of which are governed and dictated differently from state to state.

If you want to know more about the most effective way of transferring risk through property & casualty, workers’ compensation, executive & financial, individual insurance, or even bonding & surety placements, our industry experts can help you navigate and negotiate the marketplace on your behalf.

Property & Casualty
Industria Risk & Insurance Services professionals work closely with you to identify the full spectrum of your property & casualty exposures. We utilize industry expertise to analyze, innovate, and market your property & casualty risks. Our solutions helps you transfer risk while maximizing protections and minimizing your total costs.

  • Auto and Fleet Management
  • Boiler and Machinery
  • Builders’ Risk
  • Crime
  • Environmental
  • General Liability
  • International Risk
  • Marine
  • Product Liability
  • Property (including earthquake, flood and wind exposures)
  • Umbrella and Excess Liability

Workers’ Compensation
Specialized by industry, our team at Industria Risk & Insurance Services has leading expertise to thoroughly present your unique risks to the marketplace. We advocate on your behalf to secure the most competitive pricing, terms and conditions for your workers’ compensation insurance program.

Our deep knowledge of each client’s risk profile allows us to achieve superior program placement results. We collaborate with you to develop and execute a comprehensive marketing strategy based upon:

  • Client portfolios and profiles
  • Employee loss performance metrics
  • Regulatory & safety compliance efforts
  • Effectiveness of accident investigation techniques

Executive & Financial
Industria Risk & Insurance Services will assist you in designing an executive and financial liability insurance program as unique as your business, by identifying your corporate and personal exposures to liability. We incorporate risk mitigation recommendations as well, in order to ensure you have the most robust coverage available.

  • Director & Officers
  • Employment Practices
  • Errors & Omissions
  • Professional Liability
  • Network & Cyber

Individual Insurance
At Industria Risk & Insurance Services, we know that creating wealth from your industry expertise takes hard work, determination, and focus. Ensuring wealth for your life and generations to come requires even more. For each of our clients, we craft a personalized plan to minimize the potential for financial loss. Through analyses of your unique exposures and the potential detrimental outcome on your finances, we optimize a plan to serve your needs by:

  • Recommending detailed strategies to protect you from a loss before it happens
  • Offering complete risk management services based on your personal and professional liabilities — your circumstances, your assets, and your involvements
  • Leveraging our deep relationships with highly rated insurance carriers on your behalf

Bonding & Surety
Industria Risk & Insurance Services surety experts will help you in securing the most appropriate terms, conditions and pricing for your bonding and surety programs. We work with an unparalleled sense of urgency in order to help you achieve your company’s desired results by:

  • Actively driving successful outcomes on claims and subcontractors disputes
  • Capitalizing on opportunities in the construction market
  • Enhancing your company’s overall financial performance
  • Increasing bond capacity
  • Improving relationships with banks and credit providers
  • Ensuring greater flexibility on surety credit terms and conditions


The very cornerstone of your business is service—customer service. We not only understand it, we emulate it. We make the mundane magnificent by acting as an extension of our clients in regards to their daily tasks, such as employee benefits consulting & insurance, contract review & analysis, reputation & brand management, and business continuity planning.

Beyond the risk and insurance aspects of our firm lies everything else we do. Finding solutions for risks you face outside your control in your specialty industry has been, until now, an insurmountable obstacle. Industria Risk & Insurance Services has developed a tailored made suite of services to address these risks. If you need assistance with your employee benefits consulting, a review of your vendor contracts, minimizing your reputational & brand management exposures or in developing the elements of an effective business continuity plan, Industria Risk & Insurance Services has saved the best for last. Our services.

Employee Benefits Consulting & Insurance
The increasingly disrupted, confusing, and complex health care system in the United States has created challenges to employers to manage costs as well as compliance. Industria Risk & Insurance Services partners with you to deliver consistent outcomes on your benefits programs. With our team standing next to you, we will help you streamline administration and boost employee engagement, all while focusing on cost savings.

We believe in taking a custom approach to your program instead of one-size-fits-all solution. We understand the current insurance market for your risks, as well as through our deep industry knowledge we have a handle on your pain points, which allows us to develop a tailored strategy to meet your benefits needs. Delivering positive financial impacts and creative benefits solutions which exceed your expectations is what we do. We accomplish these results through:

  • Actuarial Services
  • Benefits & Payroll Administration
  • Benefits Technology
  • Communication & Engagement
  • Compliance
  • Executive Benefits
  • HR Strategic Solutions
  • Pharmacy Solutions
  • Retirement/401K Solutions
  • Voluntary Benefits
  • Wellness and Health Management

Contract Review & Analysis
A contract, by definition, is a written or spoken agreement, especially one concerning employment, sales, or tenancy that is intended to be enforceable by law. In the world of hospitality and gaming, sports and entertainment, the word contract means all of that and so much more. Our clients know first-hand, the value our contract review and analysis abilities afford them.

Our team of experts at Industria Risk & Insurance Services takes a managed approach to contract review assuring our clients that the assumption of contractual liability is consistent with the organization’s risk management philosophy. These reviews typically require time sensitive responses coupled with a concise understanding of local insurance requirements, but the service is invaluable to our clients as these activities help to manage and identify the possible new exposures that emerge on a regular basis.

We are available to review, discuss, and provide contract review and input to your risk management and/or legal departments regarding the following:

  • Comparing contract terms against your pre-defined standards
  • Managing contract review by exception, eliminating the need to review every contract
  • Routing incoming contracts to multiple reviewers in parallel
  • Tracking all contract information and documents in one central repository
  • Providing automatic escalations, notifications and detailed audit trails

Reputation & Brand Management
Good, bad or indifferent, perception is reality. As with safety and security, brand and reputation are closely linked, but they are not synonymous. Think of your brand as the concept that motivates your customers and guests to visit, while your reputation is what motivates them to return. As once quoted by the MIT Sloan Management Review: “…brand is about relevancy and differentiation…reputation is about legitimacy.” In other words, you build your brand; you protect your reputation. That’s where we come in.

At Industria Risk & Insurance Services, our industry experts know first-hand, the perennial risks associated with your brand and reputation, and are dedicated to helping you protect it.

The essential first step to brand protection and managing reputation is in understanding and building an accurate picture of your company’s strengths and weaknesses as it relates to your service offerings, social responsibility, corporate communications, marketing, and most certainly, your public relations policies.

Here are a few of the ways we can assist in making sure that your brand and reputation, remains your greatest asset.

  • Create a baseline for development, measurement and improvement of your current strategy
  • Establish a process for detection and management of issues that can affect reputation
  • Provide the company with the proper training and guidelines to manage, protect, and even improve reputation in a manner that is consistent with its service-based culture and resources
  • Coordinate management actions and the escalation of issues with the potential for crisis
  • Provide options for extra expense insurance coverage for reputational risk

Business Continuity Planning
While traditional transactional insurance or other risk financing techniques can ease the financial losses associated with business interruption, a sound business recovery or “continuity” plan is crucial to help prevent a minor disruption from turning into a catastrophe.

At Industria Risk Services, our consultants combine loss control experience with broad insurance and risk management knowledge, allowing us to provide you with a thorough risk and business impact analysis. This analysis can form the foundation and cost justification basis of an effective Business Continuity Plan (BCP).

We also understand the importance of complying with regulatory requirements and fiduciary responsibilities in order to avoid potential penalties and litigation, bringing to bear the BCP solution that is right for your organization.

Given the opportunity to assist with business continuity planning and development, we assist our clients in identifying critical business processes and exploring strategies that include, but would not be limited to:

  • A plan that maps out an organizational structure that outlines distinct roles and responsibilities
  • An integrated approach combining business continuity, emergency response, and crisis management
  • A business continuity strategy that is based upon the specific needs of your business functions
  • Well documented plans, including information technology, business relocation, and data restoration
  • Development and documentation of recovery strategies and alternatives
  • Training and plan implementation, plan testing, plan maintenance and updating

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