Insurance, Employee Benefits
& Risk Management Specialists

We help our clients control their risk financing and employee benefits costs.


Our Construction experts work exclusively with firms in the construction industry. This specialization allows us to tailor risk management and insurance programs that address the unique needs of the industry.


Our Real Estate experts also work exclusively with firms in the Real Estate Industry. We partner with insurance companies who understand the benefits of working with a firm that knows the unique exposures of the Real Estate industry so we can offer you the best options.


We do much more than deliver a wide selection of employee benefits, products and services. We provide expert counsel, superior service, partnership and trust. By allocating our resources to a level of service that matches your level of need, we can fill in any gaps you may have in your HR department.


Our WC team is committed to helping with your overall program and becoming an extension of your internal team. Our focus is not just the claims, but how to mitigate the exposure and reduce the costs associated with Workers’ Compensation on a whole.


We have extensive experience in both Contract & Commercial Surety. Through our financial analysis process we negotiate preferred rates with minimal indemnity requirements for all types of bid, performance, payment and sub-division bonds, in addition to handling all types of license, deposit, tax and payment transfer bonds.


We specialize in providing Property & General Liability insurance programs for non-profit organizations engaged in Social Services, Environmental, Educational, and Children’s Services.

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Our Clients are Our Priority

We measure ourselves by the quality of service we provide through our highly specialized insurance programs.

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Our Expertise is Extensive

Our clients benefit from all the years we’ve spent building our knowledge base and becoming industry experts.

At CMR we do insurance differently


We service our clients by becoming an integral part of their team and we protect their downside.

Reduce Insurance Costs

We identify areas of risk exposure and then we craft customized solutions that reduce insurance costs.

Deliver Unparalleled Programs

We consistently invest in our resources and associates so you receive personalized programs tailored to your exact needs.

What makes us so different?

We are a privately-held risk management and human capital consulting firm. Our proprietary risk management and human resource services minimize the administrative time and expense you spend on insurance-related tasks so you can focus on running your business.

Our proprietary services


CMR offers a unique and proactive web-based Risk Management Platform that provides enhanced loss control impact and efficiencies. Enrollment in the Risk Management Center has been proven to yield a 20% loss reduction per year across all users. Utilizing this feature can greatly impact your losses, which in turn will lower your overall insurance costs.

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CMR works with a team of licensed adjusters, case nurse managers, and consultants with extensive backgrounds in workers’ compensation claims handling to audit the insurance companies’ claims file. This assures that the appropriate amount is paid, reserves are properly set and your experience modification is not adversely affected.

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We take client services seriously. We offer a Key Client Service Plan which is a written service commitment tailored to the special needs of each client. This written plan is completed with the client and the assigned CMR support staff and it is reviewed on an annual basis to ensure that our clients are more than satisfied with our work and our team.

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The complementary services performed by the CMR team are the driving force behind controlling your Human Resource and Employee Benefits costs. Our team will reduce your internal Human Resource expenses and improve the wellness of your employees.

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CMR’s newly formed contract surety division handles all types of surety bonds; construction, commercial, and court. At CMR, we strive to provide a comprehensive surety program tailored to the appropriate rate, indemnity, and capacity to support each client’s respective surety need.

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CMR works with real estate equity investors on a per project fee service basis to assure all involved parties carry insurance as required by project level documents including through the construction, lease-up and stabilization phases.

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CMR understands the challenges that businesses face in staying up to date with the ever-changing mandated compliance requirements. We help businesses of all sizes put together a Compliance Strategy to ensure that they are meeting all employer responsibilities.

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Year-over-year Company Growth
Client Retention Rate
$ mm
Millions of Premiums Placed
State Licenses


We’ll have an exploratory meeting to determine mutual qualification.

We’ll identify your main pain points, risks and exposure through our proprietary process.

We’ll provide you with a comprehensive plan and then we’ll implement the plan.

We’ll monitor and adjust as needed to ensure that you are saving time and money every step of the way.

What Our Clients Say