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Total Cost of Risk (TCOR): Why Business Owners Should Prioritize This in Their Insurance Decisions

In the business realm, risks are as constant as opportunities. While insurance plays a pivotal role in mitigating these risks, many business owners, in their quest for the perfect insurance plan, often look primarily at premiums. However, premiums are just the tip of the iceberg. Enter the concept of the Total Cost of Risk (TCOR). Understanding TCOR is crucial for business owners to truly grasp the financial implications of risk and to make informed insurance choices.

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From owner-operators to large fleets, we recognize the critical importance of protecting your assets, drivers, and cargo.


Find coverage for property and casualty insurance, and extend to specialized needs like fire suppression costs.


Protect your sawmill business from accident, machinery, and vehicle risks with sawmill insurance.

Wood Related Operations

Safeguard your wood products business with customized insurance coverage designed to meet the unique needs of your company.

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Get the protection your business needs at the best rates on the market with United Risk Advisors.

Are You Covered?

Discover more resources and learn about our areas of service in our United Risk Advisors Blog!

Chainsaw Competition Safety Tips from the Columbia Forestry Dinner

Effective Risk Management: Best Practices and Safety Tips

There's an old saying we all know: "Accidents will happen." On the flip side, others are quick to say there's no such thing as an accident. Maybe ...

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