14 East Highland Avenue | Philadelphia, Pennsylvania U.S.A. 19118
home | about us | AFSA | commercial | personal | life and health | CHCA long term care | notices | contact us | available downloads

invisible

Commercial Insurance

our services  |  our clients  |  specialty programs & coverages  |  our companies  |  online request form

For over seventy years, we have been meeting the property and casualty insurance and employee benefit needs of countless institutions, organizations, and commercial firms. We continue to experience growth through referrals from satisfied clients, and have increasingly become known for...

Worldwide Coverage for Any Contingency
Low Premium Rates
Unquestioned Reliability
Professional, Personalized Service
Fast, Efficient Claims Settlement Capability

top

Our Services

We can and have designed all levels of the risk-sharing spectrum, from full insurance to self-insurance groups and captives, with large deductible programs in between. In finding the most refined ways to satisfy your insurance needs, we subscribe fully to the trends of the industry. The difference is that we tend to start them.

Coverage Review

  • Use checklists, surveys and visits to identify exposures with client
  • Help review leases for insurance and contractual exposures
  • Identify and report on covered and uncovered exposures
  • Arrange appraisals, inventories for up-to-date valuations
  • Compare current coverages with recommended coverages

Pricing Review

  • Identify available insurance markets and obtain competitive quotations
  • Recommend best coverage/premium options
  • Review regulatory environment and financial ratings
  • Review premium, exposure and loss histories

Loss Prevention and Control Program

  • Arrange loss prevention visits
  • Review and help implement recommendations
  • Meet with Safety Committee
  • Arrange for Motor Vehicle Records and Older Driver Surveys
  • Arrange for defensive driving courses
  • Arrange for other necessary loss control services

Claims Management

  • Receive claims notices, advise and file reports with insurance companies
  • Follow up and report on status of individual claims
  • Monitor open claims and help identify ways to minimize
  • Help negotiate on disputed claims
  • Provide loss reviews on current, prior loss histories to determine impact

Consulting and Policyholder Service

  • Provide schedules of current insurance policies
  • Arrange coverages for property and vehicle changes
  • Issue certificates, binders, evidences, etc.
  • Evaluate audits, dividends and retrospective rating plans.
  • Verify billings and match policies with original proposals
  • Review of calculations of Experience Modification Factor
  • Review certificates from vendors and sub-contractors
Going Overseas or having visitors coming from overseas?

Click here for information on Medical, Accident and Trip Cancellation coverages for overseas travelers, both U.S. and foreign nationals.

 

You may find our Disclosure of Compensation information here.

top

Our Clients (click here to see more about a few of our clients)

At The Hirshorn Company, no matter how far reaching — or farfetched — your needs are, we can handle them with creativity and innovation. The Hirshorn Company represents clients from 165 countries for both everyday and unusual risks. Few brokers offer the worldwide experience from which we draw. We provide selective, specialized insurance programs; approach risk outside the scope of other brokers; and offer cost-effective solutions in even the most challenging circumstances.


As you can see from this short list, our client base is as varied as our approach.

International Bulb & Seed Importer-Exporter
Giftware Importer & Distributor
Plumbing and Heating Supplies Wholesaler
International Glass Products Manufacturer
Multinational Pharmaceutical Manufacturer
International Bearing Manufacturer
National Candy Manufacturer
Environmental Products Manufacturer
Regional Health Care Provider
Specialty Contractor
Architectural and Engineering Firm
Gourmet, Family and Fast Food Restaurants
Insurance Company

 

top

Specialty Programs & Coverages

Through the Greater Philadelphia and Purveyors Association Worker's Compensation Safety Group, we offer a low cost, loss sensitive alternative for Pennsylvania restaurants, many of whom were previously unable to find coverage outside of the State Workmen's Insurance Fund.

We administer various programs offered by the American Foreign Service Association (AFSA) to its 12,000 members at home and abroad. Specifically designed overseas personal property insurance, as well accidental death, professional liability, long term care, and dental care programs are available through The Hirshorn Company to Employees of the Department of State, the Agency for International Development, the United States Information Agency, and the Foreign Agriculture Service.

The Hirshorn Company has also created exceptional specialty insurance plans, including...

Workers Compensation Safety Groups
Motion Picture Production Packages
Financial Guarantee Bonds
Pollution Liability
Self-Insurance
Aircraft Liability
Fiduciary Liability
Errors and Omissions
Directors and Officers Liability
Capital Accumulation
Insurance for Foreign Nationals in the US

We can meet the needs of practically any organization requiring a custom tailored program.

  

top

Our Companies

Over the years, we have developed reliable associations with many of the world's premier insurance companies. Thanks to the diversity and quality of the companies we represent, our clients always enjoy a wide range of choice. Hirshorn can guarantee to each client the best coverage at the lowest possible cost.

In addition, because of our close working relationship with these leading insurers, we can often arrange for special coverages which are not readily available through other sources.


AIG
Hartford Steam Boiler
AmeriHealth
Chubb
ACE USA
Travelers
Philadelphia Insurance
Zurich
CNA
Ohio Casualty
PMA
Harleysville
Public Service Mutual/MagnaCarta
Zenith
Fireman's Fund
Mid Continent
Great American
Wausau

For more information, please fill out our short online request form.