The Horton Group Provides
Risk Management

Risk Management Risk Management Risk Management

Horton Risk Management Services manages risk for clients in a variety of industries, including construction, manufacturing, retail/wholesale, transportation, restaurant/hospitality, municipal, health care and numerous specialty niches. Our capabilities range from securing basic insurance coverage to overseeing comprehensive risk management programs and providing advanced, specialized services.

We help businesses lower the true cost of their risk by focusing on risk management, supported by the best claims advocacy, loss control and core insurance services available.

The Horton Group's strong relationships with a large and diverse group of regional, national, and international insurance carriers enable us to negotiate the best terms and conditions for our clients. Furthermore, by utilizing Horton's full menu of resources, we are able to successfully address our clients' needs and execute effective risk strategies.


  • Formalized Service Schedules
  • Exposure & Coverage Reviews
  • Alternative Market Placements
  • Risk Transfer Consultation
  • File Audit Services
  • Contract Reviews
  • Policy Form Comparisons
  • In-House Attorney Service
  • Experience Modification Reviews & Projections
  • Unit Stat Re-Filing Service
  • Smart Comp Reports
  • Certificate Tracking/Managing
  • Web-Based Certificate Processing
  • Mergers & Acquisitions - Due Diligence Analysis

Insurance procurement capabilities & services

  • Property & Liability
  • Workers’ Compensation
  • Automobile
  • Garage
  • Umbrella & Excess
  • Loss Sensitive & Large Deductible Programs
  • Cargo/Marine
  • Executive Risk
  • Directors’ & Officers’ Liability
  • Employment Practices Liability
  • Fiduciary Liability
  • International/Foreign
  • Captives

Safety consulting capabilities & services

  • Safety & Compliance Assessments
  • Injury Prevention Programs
  • Supervisory Safety Training
  • Specialized Employee Safety Training
  • Bilingual Training Capabilities
  • OSHA, DOT & Regulatory Compliance
  • Industrial Hygiene Services
  • Fleet Safety & Driver Training
  • Written Safety Program Development
  • Work Area/Job Site Safety Inspections

Claims management capabilities & services

  • Claims Advocacy/Consultative Services
  • Reserve Analysis
  • Detailed Loss Summaries
  • Litigation Oversight
  • Reserve Reviews
  • Return-to-Work Programs
  • Loss Ratio Analysis

Surety & fidelity capabilities & services

  • Customized Contract Bond Programs
  • Miscellaneous Surety Bonds
  • Employee Dishonesty/Crime Bonds
  • Niche Programs

Professional capabilities & services

  • Medical Malpractice Liability
  • Seamless Risk Management
  • Specified Professional Liability Risk Management