Commercial Insurance

Corporate, commercial, and small business owners alike face a constantly evolving and increasingly complex operating environment. The Querbes & Nelson risk advisory process can help your business identify and analyze exposures and develop a formal risk management program, which has been proven to reduce costs over time. Whether you’re a small company needing a partner as you expand, or a large business seeking complex advice, the Querbes & Nelson team is here for you.

We serve clients across a broad spectrum of areas:

Construction                                     Healthcare

Oil & Gas                                            Transportation

Industrial                                           Manufacturing

Marine                                                Aviation

Group Captive Programs

Group Captive Insurance Companies are complex methods of financing risk for clients who are truly engaged in managing their total cost of risk.  Q&N is partnered with leading captive managers and have developed group captive programs serving a wide variety of niches.  If you would like more information on a group captive, contact Q&N today.

Surety, Bonding

A surety bond is a written agreement between three major parties: the surety, obligee and principal. The written agreement is a guarantee under which one party (the surety) obligates itself to a second party (the obligee) to answer for the default of a third party (the principal). Q&N can write a variety of types of bonds – Bid & Performance/Payment Bonds, License & Permit Bonds, Court & Fiduciary Bonds, Notary Bonds, and more. If you would like more information on a bonding, contact Q&N today.

Loss Sensitive Programs

Loss Sensitive Programs are customized structures that retain risk and control costs.  Querbes & Nelson is partnered with insurance carriers that will offer loss sensitive programs to offer balance sheet protection against catastrophic events. Contact a Q&N representative for more information.

Group Benefits Insurance

Querbes & Nelson provides local talent to help you optimize employee benefit offerings.  Our team will work with you to develop a strategy that is tailored to your business and will help you retain and attract valuable employees.

Our abilities include:

Analyzing funding mechanisms for your benefits program with fully insured, partially self-funded and captive solutions.

Providing an array of worksite benefits for employees to choose from.

Programs designed to optimize your tax savings.

Implement a program to easily comply with the ACA employer reporting.

HRA, FSA and COBRA administration done in-house.

Leveraging plan design to reap the most value from medical expenditures.

Development of ancillary offerings to support Employee Benefits Programs.