Alternative Risk Solutions from Our Program Services Division

Alternative Program Management and Administration

Today’s risks are complex and engineering the right risk management solution may mean exploring alternatives such as captives, risk retention groups or self-insurance, to more conventional insurance programs. These alternatives may require a deeper commitment of your people and resources, but can result in greater control in your own destiny and greater return on your investment.

Which option is right for you? Our experienced staff is uniquely qualified to help you make that determination. Through analysis of market trends, your claim history and financial position, we will assist in identifying the right alternative among many. We create, support and manage programs, as well as provide the services needed to for your program’s on-going success.

Current Captives and Risk Retention Groups Managed by Murray

Central Pennsylvania Physicians' Risk Retention Group (Learn More >>)
Central Pennsylvania Physicians Risk Retention Group, Inc. (Central Pennsylvania Physicians) is a physician-owned mutual insurance company with a sole purpose of providing professional liability insurance and risk management services to physicians and related health care professionals in Central Pennsylvania.

Central Pennsylvania Physicians impacts risk POSITIVELY by being aggressive and attacking risk. The most cost effective manner in which to manage risk is to actively minimize risk through an effective and efficient process that identifies risk drivers, and takes proactive POSITIVE steps to abolish the issue. When an event does occur, Central Pennsylvania Physicians works with you to reach an understanding between all parties involved. In cases where an event rises to the level of a claim or suit, Central Pennsylvania Physicians’ early intervention, providing immediate access to claims personnel and expert legal counsel, is pivotal in protecting you and your profession.

Communities Advancing Retirement Excellence (Learn More >>)
Communities Advancing Retirement Excellence, commonly referred to as CARE, is an insurance program with membership limited to not-for-profit retirement communities licensed and operated within Central Pennsylvania.

The CARE Council is the driving force behind the combined efforts of the CARE members to continually improve the overall quality of the individual communities for residents, their families and employees.

The CARE Council's goal is defined by the following Statement of Purpose and Action:

Together We CARE, using the individual talents of all participants to:

• Set an example of responsibility and action
• Recognize and correct hazards
• Measure, reward and take pride in successes
• Excel in customer service
• Strive for continuous growth and development
• Earn the trust and respect of coworkers and the people served by the communities

Related Information:

• Program Services Management Team
• Risk Control
• Claims Management
• Important Links
• Alternative Risk Home
• Site Home

Downloads:

• Program Services Brochure

Comprehensive Risk Management Assessment

Your risk management and insurance needs are unique to your business and your industry. Our formal three step process involving pre-assessment, interview, and analysis results in a broad spectrum evaluation of current practices and loss trends and allows benchmarking against industry standards and similar businesses.