Typical clients have a sound financial position, superior loss experience and standard insurance premiums in excess of $250,000.


The clients that have benefited from alternative risk programs offered by Chesapeake Bay Insurance Company come from all types of industries, but we have been particularly successful in meeting the needs of:
  • Homebuilders
  • Real estate developers
  • Trucking companies
  • Physicians and other health care practitioners
  • Nursing homes
Most often, the companies that benefit greatly from our solutions are dealing with one or more of the following issues:
  • Expensive fixed cost programs
  • Inadequate consideration for their better than average loss experience
  • Volatile swings in premium
  • Unreasonable demands for collateral
  • Little control over the claims settlement process
  • A desire to participate in the profits of superior loss experience
  • Unavailability of coverage
  • High deductible
Companies also typically have the following financial profile:
  • Sound financial position
  • Able to afford the financing of a portion of their risk
  • Superior loss experience
  • Premiums in excess of $250,000