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What's Your Story
  • What’s Your Story?

    Every business and every person has a story with a past, present, and future. These stories are what get us out of bed every morning and make us great at what we do. Check out our video to see how we make YOU a Story Well Told®.

    Click on the images to learn more.

  • Commercial

    As an executive of your organization, you face many obstacles. One of the most challenging parts of your job is managing the risks you know are lurking around each and every corner. An even greater challenge is identifying emerging risks which you did not know existed in the first place.

    At Consolidated, we take the time to understand where you have come from and where you are going. After embracing your story, our process is designed to put you in control of the existing and emerging risks attempting to prevent your business from reaching its objectives.

  • Personal

    Your story is your life. There are no two lives in this world quite the same. Each has its own individual story. While some in the insurance industry would like you to believe there is a one size fits all product made for you and everyone else, we are here to tell you they are wrong.

    At Consolidated, we believe you have your own story with your own risks. The only way to reach your happily ever after while navigating the plot twists of life is to craft protection that is specific to you and no one else.

  • Benefits

    Health insurance is considered one of the top 3 concerns of business owners and employees. The days of reviewing a spreadsheet full of quote options and picking one have come and gone.

    Consolidated’s process has flipped the script for benefits. By understanding the cost drivers, staying current with compliance, and having creative strategies to deliver a proactive approach, we are changing the story for our clients and their employees.

  • Surety

    Surety and bonding is the lifeblood of a contractor’s business.

    Consolidated’s Surety Performance System is a proactive model created to provide structure around the elements needed to communicate your story to the bonding markets, maximize your work potential, and improve your business.

Latest Storylines

Winter Safety:  Driving

Winter Safety: Driving

Losing control of a car is undoubtedly one of the most frightening experiences behind the wheel. Unfortunately, it is a potential side effect when the temperatures turn frigid and the roads get slick with ice or snow. One of the most dangerous winter driving hazards is skidding, which, at high speeds, could result in a…

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Temporary Rules for FSAs

Temporary Rules for FSAs

Unlike the first coronavirus relief legislation, the CARES Act, the new bill signed into law on December 27 includes not only stimulus payments to offset the effects of the pandemic but general funding for the federal government for the coming fiscal year. Hence its name: The Consolidated Appropriations Act. In addition to the hotly debated…

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The Hard Market: What Can You Do?

The Hard Market: What Can You Do?

In a previous post we covered the factors leading to the current ‘hard market’ in the insurance industry (read it here). Essentially, this year has seen an overall tightening of the market, with premiums going up and insurers less willing to take on new risks. The factors resulting in the current state of affairs are…

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The Difference is Telling

We are not the only ones who love a good story. Insurance carriers and underwriters love them too. They want to know who you are and where you are going – and they will offer the best products and services at the most competitive rates to those who capture their attention.

Over the past 10 years I have had the pleasure of working with Consolidated Insurance + Risk Management.  Their level of professionalism , customer service and industry knowledge places them as an independent agency leader in the insurance industry.  We truly value our partnership with them.

- Marie Wyatt, Territory Manager, Penn National Insurance

Throughout my years working with Consolidated Insurance + Risk Management as the Agency Management Specialist for Selective Insurance, I’ve been impressed with their high level of professionalism and knowledge of the industries they serve. We share a commitment to addressing each customer's unique needs through customized risk management solutions and a dedication to providing the finest insurance experience.

- Craig S. Willie, CPCU, AU, Executive Agency Management Specialist, Selective Insurance

I have been in the commercial insurance industry for over 20 years.  I have had the pleasure of working alongside the staff and leadership at Consolidated for the past three years where everyone in the agency provides industry leading professional services and prove day in and day out to be resource experts in the products they offer.

- Michael Kirk, Senior Business Development Specialist, FCCI Insurance Group

Our Process:

At Consolidated, we work with you to build a story that underwriters can’t resist. By identifying the existing and emerging risks that can derail you from reaching your objectives, we make sure you are always ready for the next chapter.

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