What We Do

What We Do

Crystal & Company is the insurance brokerage of choice for leading financial institutions, corporations and nonprofit organizations.

What We Do

Crystal & Company is the insurance brokerage of choice for leading financial institutions, corporations and nonprofit organizations.

Who We Serve

Financial Institutions

High Stakes, High Risk

Crystal & Company’s first clients—in 1933—came from the financial sector, which continues to be the cornerstone of our business today. Our Financial Institutions Group is unique, solely dedicated to serving traditional and alternative investment managers, broker-dealers and banking institutions. As respected leaders in the space we are recognized for an analytical approach to evaluating exposure, creating custom-designed solutions, and an agile responsiveness to the ever-changing dynamics of an industry buffeted by regulatory change and market volatility.

 

Our integrated model provides a comprehensive suite of services tailored to the financial sector, including insurance due diligence, program structure analysis and advice, risk modeling and analytics, coverage critiques and audits, program placement and stewardship, claim advocacy and recovery, and educational seminars and forums.

Key Products & Services

Cyber Liability
Directors and Officers Liability
Employment Practices Liability
Errors and Omissions
Fidelity & ERISA Bonds
Fiduciary Liability
Property & Casualty

Employee Benefits Solutions

Our Employee Benefits Services team specializes in helping employers meet their business objectives, driven by our belief that a company’s workforce is only as strong as its benefits program. Learn more

Nonprofits

Commitment to Community

The professionals in our Nonprofit Practice are as mission-dedicated as the clients they serve, committed to protecting the assets and reputations of members of this country’s social services organizations, as well as educational, healthcare, and cultural institutions. Recognizing the myriad financial, operational, and governance challenges facing this sector, our approach to risk analysis is necessarily comprehensive. A detailed critique of the entirety of a client’s insurance program—including benchmarking data and coverage gaps—informs all our risk management recommendations. We make sure that the strategic advice we offer addresses the ethical and compliance issues specific to this sector, leaving clients free to focus on fulfilling their organization’s mission.

Key Products & Services

Abuse
Accident
Crime
Cyber Liability
Directors and Officers Liability
Errors and Omissions
Fiduciary Liability
International
Property & Casualty
Workers’ Compensation

Employee Benefits Solutions

Our Employee Benefits Services team specializes in helping employers meet their business objectives, driven by our belief that a company’s workforce is only as strong as its benefits program. Learn more

Energy

Energy Complexity

Crystal & Company works with firms in all sectors of the energy industry, including drilling and service companies, refineries and petrochemical plants, pipeline operators, mining concerns, and alternative energy providers. Protecting the high-value assets of this sector requires a sophisticated and informed broker who understands the challenges and can develop strategies that limit exposure and lower cost of risk.

 

Our Energy Group’s expertise helps clients make sense of ever-changing regulatory, environmental, and labor requirements that are particular to each corner of this market, while vigilantly monitoring the dozens of factors and trends that impact productivity, financial health, and operational security. Combining this with what we learn about a client’s goals and operations enables us to tailor strategic risk management and insurance solutions to their specific needs.

Key Products & Services

Control of Well
Environmental
Excess Liability
Foreign Liability
Political Risk
Property & Casualty
Workers’ Compensation

Employee Benefits Solutions

Our Employee Benefits Services team specializes in helping employers meet their business objectives, driven by our belief that a company’s workforce is only as strong as its benefits program. Learn more

For more information on our services for the energy sector, please contact us.

“I have worked with Crystal's Energy team for over six years, and I'm still impressed with the level of service we receive. Year after year, they continue to prove to us why they are the best."

Stronghold Ltd.

Technology

Disruptive, Transformational, Game-Changing

In the world’s most rapidly evolving industry, unpredictability is embedded in every business plan. Indeed, one of technology’s few certainties is that the risks of today will not be the same as those of tomorrow. With emerging markets, innovation, and competition constantly driving change, a successful insurance program will hinge on the ability not only to quickly identify risk and opportunity but also to seamlessly execute useful strategies. Our Technology Practice embraces this reality as it services clients in firmly established (hardware, software, telecom, Internet) and emergent (collaborative economy, fintech, drone, virtual reality) segments alike.

 

By coupling a superior understanding of the risks that technology companies face with significant premium market volume, Crystal & Company’s professionals have created innovative and targeted products and services that deliver superior risk management at a cost that fits this efficient data-driven world.

Key Products & Services

Compliance
Contingent Business Interruption
Cyber Liability
Directors and Officers Liability
Electronic Media Liability
Employment Practices Liability
Errors and Omissions
International
Network Security
Privacy Liability
Property & Casualty

Employee Benefits Solutions

Our Employee Benefits Services team specializes in helping employers meet their business objectives, driven by our belief that a company’s workforce is only as strong as its benefits program. Learn more

Real Estate

The Real Estate Ecosystem

In an industry known for lean infrastructure, the professionals in our Real Estate group act as de facto risk officers for developers, landlords, and property managers. We evaluate the exposures involved in selling, acquiring, managing, and developing commercial, retail, and residential property, and our risk management and claims control strategies are as comprehensive as they are cost-efficient.

 

Our solution-focused commitment assures the delivery of innovative insurance products, cutting-edge services, and forward-looking decision-making. We pride ourselves in offering a service that provides oversight of all lines of coverage. Our goal is to keep clients informed and ahead of market changes as we build long-term risk control awareness throughout their organization.

Key Products & Services

Automobile
Construction
Cyber Liability
Environmental
Errors and Omissions
International
Mergers & Acquisitions
Property & Casualty
Workers’ Compensation

Employee Benefits Solutions

Our Employee Benefits Services team specializes in helping employers meet their business objectives, driven by our belief that a company’s workforce is only as strong as its benefits program. Learn more

For more information on our services for the real estate sector, please contact us.

“Our experience with the Real Estate team has always been extremely positive- they are courteous, prompt and professional.  Each renewal, I know that they are doing their best to ensure that we are getting the best coverage for the best price.”

Penelope Kassaris, M&N Management

Hospitality

Come Stay With Us

Loyalty and customer satisfaction are the keys to success in the hospitality industry. Our professionals work meticulously to protect your business and reputation from all means of relevant exposures—from natural disasters to terrorist threats, from cyber breaches to employee crime. Similarly, our programs are customized for risks associated with a variety of businesses, including hotels, condo-hotels, resorts, amusement parks, restaurants, and casinos.

 

Whether you are the management company, owner, owner/operator, or asset manager, we have the comprehensive skill set to evaluate, transfer, and manage your risk. In addition to risk control, our key services include claims consulting, contract reviews, valuation analysis, strategic catastrophe placements, and cooperation with lender coverage requirements.

Key Products & Services

Automobile
Crime
Cyber Liability
Errors and Omissions
Property & Casualty
Terrorism
Workers’ Compensation

Employee Benefits Solutions

Our Employee Benefits Services team specializes in helping employers meet their business objectives, driven by our belief that a company’s workforce is only as strong as its benefits program. Learn more

For more information on our services for the hospitality sector, please contact us.

“Crystal’s extensive hospitality background was a great asset in tailoring the coverages we needed for our hotels. Dealing with professionals that truly understood my business was very reassuring and made the entire process seamless.”

W. Blaine Shively, Blue Ridge Hospitality

Consumer Products & Retail

Bricks, Mortar, eCommerce and the Supply Chain

Nearly every company involved in the manufacture or distribution of consumer products faces increasingly challenging regulatory and operational risks, and such risks affect their global sourcing strategies and solutions. At each point along the way there are opportunities to transfer many of these risks off of a company’s balance sheet, but doing so requires a thorough understanding of the landscape, be it supply chain disruption, theft of goods, issues with software/network connectivity or cargo shipments, or worker safety. Our clients come to us for sound strategies that enable them to realize their financial and commercial goals while minimizing the risk they must take on to do so.  Using proprietary analytic modeling tools, loss-mitigation services, reserve analysis and traditional risk transfer through insurance policies, we shield clients from the known and unknown.

Key Products & Services

Cyber Liability
International
Product Recall
Property & Casualty
Supply Chain Management
Trade Credit
Workers’ Compensation

Employee Benefits Solutions

Our Employee Benefits Services team specializes in helping employers meet their business objectives, driven by our belief that a company’s workforce is only as strong as its benefits program. Learn more

For more information on our services for the consumer products & retail sector, please contact us.

“The Crystal team is excellent. They are extremely knowledgeable, very responsive and provide excellent recommendations.”

Patrick Dentato, Stew Leonard's

Employee Benefits Solutions

Our goal is to help companies lower their costs and, at the same time, improve the operation and quality of their benefits program. With the right benefits solutions—and our experienced team of advisors by their side—companies can:

• Attract and retain talented employees
• Manage costs
• Reduce sick days
• Increase productivity
• Improve culture and morale
• Operate in compliance with federal, state and local laws

Learn more

For more information on our
Employee Benefits Solutions,
please contact us

Specialty Services

Aviation

Our Aviation Practice works with clients across every industry to provide solutions for their aviation needs. With previous industry experience as pilots, flight instructors, and aviation insurance underwriters our professionals are attuned to the particular needs of the broadest range of clients. Learn more

Construction

Our Construction Practice creates a holistic strategy for the entire risk spectrum, from contract negotiation through operations for owners, contractors and design professionals. Learn more

International

Our International Practice, in conjunction with our Brokerslink partners, work to develop a comprehensive global risk management plan that addresses clients’ specific needs in every jurisdiction where they do business. Learn more

For more information on our
Specialty Services,
please contact us.

Environmental

Our Environmental Practice works with lenders, attorneys, financial sponsors, and real estate investors, addressing complex environmental exposures. We help identify what environmental risks might be caused by your business and the potential ecological and health hazards they could present. Learn more

Family Enterprise

Our Family Enterprise Risk Practice provides insurance services to closely held businesses, family offices, private family trust companies, and family-affiliated ventures. Learn more

Mergers & Acquisitions

Our Mergers & Acquisitions Practice supports and advises private equity firms and corporate acquisitive clients on all transaction-related activities. Learn more

For more information on our
Specialty Services,
please contact us.





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