CONNECTING TODAY,
PLANNING FOR TOMORROW.

CELL BROKERAGE

RISK MANAGEMENT GROUP

separator

We are Cell Brokerage Risk Management Group. Since 2009, our client-centric group of brands has been disrupting what it means to manage risks. As an idea company, our culture thrives on innovation and an entrepreneurial spirit. Our ownership has built and invested in an abundance of highly successful companies.

Linking our ecosystem of cells relies on a connected network of collaborative support making us an organization companies want to partner with. We call our support structure, “resources for growth”.

If we look different, it is because we are different.

Insurance VERTICALS

COMMERCIAL. PERSONAL. DEVICES.

separator

APIAR COMMERCIAL RISK MANAGEMENT

EXPERIENCE IN ACTION
separator

At Apiar, we have a bias for action and accountability. With a local presence and a national footprint, we provide customized commercial risk management solutions. Our business segments give us the ability to offer proprietary insurance products and risk management services, making insurance work for you.

No matter your industry, our client-centric team of experts work in partnership with your business to provide protection options and risk reduction strategies designed specifically for your business.

Let us bring our blend of intellect and innovation to your business landscape.

Apiar
Get Insurance Pros

GET INSURANCE PROS

OUR CLIENTS ARE PEOPLE, NOT POLICIES
separator

At Get Insurance Pros, our personal lines insurance professionals are not all things to all people.
What does that mean?

At Get Insurance Pros, our personal lines insurance professionals are not all things to all people. What does that mean?

  • It means; we have insurance professionals who are industry experts in their fields of insurance.
  • It means; that your unique insurance needs are paired with insurance professionals who understand you, your family and your business.
  • It means; we have commercial insurance professionals specializing in workers’ compensation, retail, construction, contractors, hospitality, professional services, commercial vehicles, cyber, restaurants, small business and more.
  • It means; we have insurance professionals whose expertise is protecting your home, auto and personal insurance.

We are local, we are independent, and we have the experts.

grip

WE MAKE INSURANCE PRODUCTS FOR THE MODERN WORLD
separator

We are fixated on providing modernized, affordable insurance and limited warranty options within the enterprise, B2B space. Our devotion to purposeful expansion of our proprietary services and our suite of grip products to retailers, managed services, supply chain, and businesses around the country put us in a unique position to deliver high-value solutions to our partners.

No matter your industry, we have a solution for you. grip, our flagship product, is underwritten by an A rated insurance carrier.

We offer businesses and consumers a new and exciting way to insure the devices that drive our businesses and the businesses we serve.

Grip

CELL BROKERAGE

CENTER FOR LEARNING

separator

How to Use Self-Insurance to Lower Your Costs

Insurance is a financial safety net that wards off unforeseen losses that we cannot afford to bear. However, for losses that are manageable, opting for self-insurance can lead to significant savings. In the end, this risk management strategy cuts out high insurance premium disbursements.

Strategies for Mitigating the Impact of Rising Insurance Rates

The escalating insurance costs pose a substantial concern for individuals and businesses nationwide, as rates persistently surge with no respite in sight. The frequency and severity of insurance claims, macroeconomic conditions, changing legal and regulatory frameworks, and the emergence of novel perils, like cyber threats, all have an impact on the insurance sector and contribute to its upward trajectory. Consequently, policyholders and insurers alike confront the difficult task of navigating this intricate interplay of elements that contributes to the surge in insurance premiums.

Navigating the Rising Tide: Understanding the Factors Behind the Increasing Insurance Rates

If the rate increases for your car, home, or individual health insurance left you with sticker shock at the beginning of this year, you are not alone. Many Americans are still wrapping their heads around insurance rate increases when renewing their policy or paying their premiums.

Demystifying Experience Modification Factors (EMODs) for Business Owners

June 15, 2024

Experience modification factors (EMODs) can confuse business owners, particularly those new to workers’ compensation insurance. Keep reading to learn about EMODs, their purpose, calculation, impact on your business’s insurance premiums, and actionable steps to improve your rating. What Are EMODs and Why Are They Important? An EMOD is a numerical rating assigned to a business…

READ MORE

Tailored Insurance Solutions for Small Businesses

June 1, 2024

Exploring Custom Coverage Options Running a business is an exciting venture, but it also comes with inherent risks. From property damage to customer lawsuits, unforeseen events can disrupt your operations and financial stability. That’s where business insurance steps in, providing a safety net for these unexpected challenges. However, the one-size-fits-all approach often falls short for…

READ MORE

Proven Strategies for Improving EMOD Scores and Reducing Insurance Costs

May 15, 2024

In this post, we’ll explore effective strategies for improving EMOD (Experience Modification Rate) scores, which ultimately leads to reduced insurance costs. At Cell Brokerage, we’re committed to helping businesses optimize their EMOD scores and save on insurance expenses. Understanding EMOD Scores EMOD scores are used by insurance companies to adjust workers’ compensation premiums based on…

READ MORE

How to Manage Risks and Reduce Your Commercial Insurance Costs

May 1, 2024

Businesses of all sizes face various risks. This could include theft, property damage, and legal claims. Commercial insurance can help manage them efficiently. However, it’s important to balance coverage and costs while choosing the plans. Read on, as this guide will help you learn how to reduce risks and the total cost of your commercial…

READ MORE

The Role of Big Data in Shaping Auto Insurance Trends

April 15, 2024

There’s so much data floating around in the world today. We can use our cars or our smartphones, and in doing so, we create a digital footprint. Because of this massive collection of big data, industries are changing, and that includes the auto insurance industry. Insurance companies can harness big data to get even more…

READ MORE

The Latest Strategies for Comprehensive Device Insurance Coverage

April 1, 2024

Smartphones and other devices have become a necessity in recent years. In fact, the US smartphone penetration rate has reached around 90% in 2023. This increased reliance on gadgets shows the need for insurance. Fortunately, insurers have created comprehensive device insurance policies covering various damages. Read on to understand the available options and strategies to…

READ MORE

Exploring Specialized Options in Auto Insurance

March 15, 2024

Standard auto insurance provides a sense of security for the majority of drivers when driving. But what if your car doesn’t quite fit the usual expectations? Whether you’re rolling down the streets in a vintage beauty, sharing the ride expenses with a buddy, or taking on rugged terrain in a sturdy vehicle, regular insurance might not cover…

READ MORE

Adapting Auto Insurance to New Risks: What You Should Be Aware Of

March 1, 2024

With the rise of self-driving cars and ridesharing, the automotive landscape is experiencing a great shift. This change, while exciting, brings new risks for consumers. Traditional auto insurance may not offer enough coverage for these challenges.  Here’s a look at the new risks and the efforts taken by auto insurance providers.  Limitations of Current Auto…

READ MORE

The Impact of Electric Vehicles on Auto Insurance

February 15, 2024

The world is taking a greener turn, and consumers are looking for sustainable options. At the forefront of this revolution are electric vehicles (EVs). With EV market sales having a 30% year-on-year increase, it’s vital to understand how it impacts auto insurance.  Read on to learn how electric vehicles are reshaping the insurance landscape.  Electric vs. Gas-Powered…

READ MORE

Navigating Device Insurance: What You Need to Know Now

February 1, 2024

Our electronic devices are involved in almost every aspect of our daily lives, and most of our important data now lives in them. From personal information to work documents and more, it’s no wonder that the electronic device market is expected to grow at a rate of 3.35% between 2024 and 2028. Because our devices now carry…

READ MORE