Risk Management for New Jersey.

We provide Risk Management services that meet the needs of today’s companies. We study the diverse nature of 21st century commercial endeavors, utilizing proven processes to analyze and address the risks they face.
There are risks and costs to action. But they are far less than the long-range risks of comfortable inaction.  – John F. Kennedy

Without risk, there is no reward, no innovation, no progress and no achievement. Few great rewards come without some measure of risk. For every action there is a reaction, a consequence, which can be positive, negative or a combination of the two. When there’s an unknown that stands between you and your goal, that unknown is the risk you face.

It’s more than buying the right insurance

Risk Management is the methodical process of discerning, evaluating and contending with these unknowns in a manner that maximizes the potential of achievement while reducing the potential of loss and/or other associated adverse results.

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Risk Management
Risk Management
Risk Factor

Every business faces risk. The level and type of risk will vary based on multiple factors including industry, size, and location, among others. Risk can never be fully eliminated, but it can be reduced.


Risk management is the practice of taking proactive steps to identify and mitigate risk. It’s a broad topic that involves many areas of a business, from personnel and technology to safety and compliance. Risk management can not only help a business identify what risks need to be insured, it can also pinpoint ways to reduce.

Risk Factor

Staying compliant is hard. The laws for many facets of business are ever-changing. Employee handbooks can become out of date. Employment and other contracts can contain problematic language if not handled properly. Employee relations and human resources concerns can get complicated.


There are insurance coverages like employment practices liability insurance (EPLI) and directors and officers liability insurance (D&O) that can help pay for the legal costs of defending lawsuits against the business, but risk management can help shed light on areas of the business where process improvement and consistent practices could help avoid litigation.

Employee Training
Risk Factor

Employees can make mistakes for a number of reasons. Sometimes, it’s simply the result of a lack of education. Some businesses may choose to skip training because they don’t have the time or resources to devote, but this can lead to mistakes and accidents.


Conducting employee training can reduce risk. For example, sexual harassment training often helps businesses avoid lawsuits. Safety training is essential to avoid workplace injuries. Many insurers will help companies provide employee training as a cost-saving measure.

OSHA Requirements
Risk Factor

The Occupational Safety and Health Administration (OSHA) sets and enforces standards aimed at ensuring the environment in which employees work is safe and healthful. Employers are required to comply with these standards and OSHA may audit workplaces to verify compliance. Employers that fail to comply can be faced with hefty fines.


Lockout/tagout, hazard communication, and powered industrial trucks standards, among others, all require specialized programs. Utilizing outside resources to create and train employees on these programs can be a cost-effective solution that ensures your business is doing everything possible to meet required standards.

Safe Driving
Risk Factor

If your business involves driving, you know that safety is paramount. Failure to drive safely not only endangers the lives of your employees and the general public, but it can also have costly repercussions for the business.


Increasing driver safety is a cost-effective risk management tool. Classes and seminars can be effective resources. Telematic programs allow businesses to see every move a driver makes. Driving simulators can offer hands on training for drivers of trucks, school buses, agricultural haulers, and other vehicles to prepare them for scenarios they may face out on the road.

Location Hazards
Risk Factor

When it comes to weather and natural disaster related losses, where your business is located impacts the kinds and level of risk it faces. Fires, hurricanes, blizzards, tornadoes, earthquakes and other events can cause major losses to your business.


While it’s impossible to control the weather, it is possible to lower the risks the weather poses. Risk management involves assessing which events are most likely and what steps a business can take to protect their building and contents, their employees, and other systems.

Risk Factor

Technology failures can be extremely detrimental to an organization. Problems can arise from power outages or surges, cyber-attacks, or telephone and communication failures.


Understanding what risks the technology your business uses is susceptible to, the processes a tech failure could affect, and how to prevent losses from tech failures is an essential part of risk management. This can help determine the proper insurance policies that are needed, such as cyber liability, property, and business interruption coverage.

Comprehensive solutions that protect your bottom line

Everyone knows that diagnosis before an examination is malpractice. The same principle applies to successful risk management. American Insurance Services Agency carefully analyzes your exposures before we tailor a program that reduces your financial risk. Our process ensures you receive the advantage of years of experience and practical expertise and includes:

  • Comprehensive Exposure Evaluation
    • We look beneath the surface to address both the obvious exposures as well as those financial risks so often overlooked. From liabilities from outside influences to employee concerns, we work diligently to uncover the issues that could damage your company today and tomorrow.
  • Program Design and Presentation
    • We weigh each individual risk, comparing costs and benefits. Based on our findings, we present a program that addresses your risk exposure clearly and carefully. We deliver the information you need to make an informed determination when choosing the options that protect your company
  • Insurance Company Options
    • As an independent insurance agency, American Insurance Services Agency represents the industry’s most trusted and financially secure insurance carriers. In designing your program, we only consider insurance companies that offer coverage for your specific risks while considering their financial strength, their customer claims satisfaction record and the client support services they offer
  • PERSONAL Support
    • At American Insurance Services Agency, we believe that communication is the key to developing client trust and establishing long-term relationships. Our goal is to make sure our explanation of services and benefits is satisfactory to each individual client. We provide answers to every question. You’ll know everything you want and need to know.

Contact American Insurance Services Agency today and develop a Risk Management Plan that’s right for YOUR business.

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