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Global Property/Casualty

Domestic & International
Group Benefits

Corporate Retirement

$120,000,000
Total Reduction in Client's Expenses
95%
Client Success Rate
120
Countries Covered
13,000+
Brokers/Specialists in The CMR Database®

POLICY SMART IS THE INDUSTRY’S MOST POWERFUL GLOBAL SEARCH TOOL

The CMR Database® provides access to over 13,000 brokers/specialists covering 120 countries. This proprietary database compares your current policies and retirement packages and expenditures to improve coverage and reduce cost. This proven system allows you to achieve easy access to the global market for Property/Casualty, Employee Benefits, and Defined Benefit/Contribution Plans.  

We do not replace the role of your current broker or providers. CMR acts as independent consultants to replicate or improve your current portfolio. Relationships with your current broker need not be changed.

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Latest Blogs & News

To Save Money and Increase Coverage in the Insurance and Retirement Sector, You Must Challenge the Industry’s Status Quo

To Save Money and Increase Coverage in the Insurance and Retirement Sector, You Must Challenge the Industry’s Status Quo

A Q&A with Chris Roche – President & CEO of CMR & Associates Christopher M. Roche is the founding President...
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Wondering What is Covered by Medicare Part A and/or Part B? There is an App for That!

Wondering What is Covered by Medicare Part A and/or Part B? There is an App for That!

Lots of Baby Boomers are lost in their understanding of what is covered by Medicare — and all its parts. Need to...
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Space Insurance – What You Need to Know

Space Insurance – What You Need to Know

The insurance market for the commercial space transportation industry is a global one, with satellite owners, satellite manufacturers, launch services...
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Now that Hemp Production is Legal, What about Hemp Crop Insurance?

Now that Hemp Production is Legal, What about Hemp Crop Insurance?

In 2018, Congress passed the Agricultural Improvement Act of 2018 (2018 Farm Bill), amending the Farm Bill which was originally...
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Retiree Health Insurance – Five Things You Need To Know

Retiree Health Insurance – Five Things You Need To Know

If you are retired and have Medicare and a group health plan coverage from a former employer (retiree insurance), you...
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Supplemental Health Coverage – Eight Things You Need To Know

Supplemental Health Coverage – Eight Things You Need To Know

When it comes to supplemental coverage for Medicare, it is important to do your homework before making a coverage decision....
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Life Insurance for Seniors and Baby Boomers – What You Need To Know

Life Insurance for Seniors and Baby Boomers – What You Need To Know

You may have had life insurance for many years. Most people buy life insurance when they get married or have...
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Weighing the Options of Working While Retired

Weighing the Options of Working While Retired

Are you planning to return to the workforce after retirement? Careful planning is needed as your Social Security benefits, health insurance, and tax situation might be affected.
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Pet Insurance – Why Needed?

Pet Insurance – Why Needed?

When it comes to providing the very best for your furry friends, you want to make an informed decision when considering the purchase of pet insurance.
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Job Alert: Seeking Programmer/Database Administrator

Job Alert: Seeking Programmer/Database Administrator

CMR & Associates is seeking a programmer/database administrator for its New York City office.
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Cybersecurity Insurance – Why Needed?

Cybersecurity Insurance – Why Needed?

The increasing number and sophistication of cyber incidents affect companies and organizations of all sizes and remediation of cyber incidents can be costly. Learn how cybersecurity insurance can help protect your business against losses resulting from a cyber attack.
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Earthquake Insurance – What Do You Need To Know?

Earthquake Insurance – What Do You Need To Know?

Earthquakes are a fact of life in California. If you live in an area that is prone to earthquakes, you might wonder whether you need earthquake insurance.
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Does The PBGC Owe You Almost One Million Dollars in Unclaimed Pensions?

Does The PBGC Owe You Almost One Million Dollars in Unclaimed Pensions?

Across the country, there are more than 80,000 people that have not claimed pension benefits they are owed. A free tool by the PBGC allows you to search for unclaimed pensions.
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Job Alert: Seeking Business Development Director

Job Alert: Seeking Business Development Director

CMR & Associates is seeking professionals with experience developing clients in the Property/Liability (P/L), Employee Benefit (EB) insurance and Retirement sectors.
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Managing Healthcare Cost for Low-Income Employees

Managing Healthcare Cost for Low-Income Employees

Companies of all sizes struggle with the cost of providing quality medical insurance for their employees, especially those who are lower paid. A provision in the Affordable Care Act (ACA) called for expansion of Medicaid eligibility in order to cover more low-income employees. This expansion creates new opportunities as open enrollment approaches.
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How Your Employer’s Bankruptcy May Affect Your Employee Benefits

How Your Employer’s Bankruptcy May Affect Your Employee Benefits

Does an employer’s bankruptcy affect its employees’ pension plans and group health plans?
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Retirement Plans – What You Need to Know About 403(b) Plans

Retirement Plans – What You Need to Know About 403(b) Plans

A 403(b) plan is a retirement plan offered by public schools, certain tax-exempt organizations, and certain charities. Just as with a 401(k) plan, a 403(b) plan lets employees defer some of their salary into individual accounts.
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Employee Stock Option Plans vs. ESOPs – Understanding the Difference

Employee Stock Option Plans vs. ESOPs – Understanding the Difference

What is the difference between Employee Stock Option Plans and ESOPs? The answer is simple. One is a retirement plan and one is not. Read on to learn more.
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Retirement Plans – What You Need to Know About 401(k) Plans

Retirement Plans – What You Need to Know About 401(k) Plans

A 401(k) plan is a defined contribution plan that is a cash or deferred arrangement that allows you to save for retirement. What do you need to know about 401(k) plans?
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Federal Agencies Expand Access to Quality, Affordable Health Coverage Through Health Reimbursement Arrangements

Federal Agencies Expand Access to Quality, Affordable Health Coverage Through Health Reimbursement Arrangements

Federal agencies issued final regulation to expand the use of health reimbursement arrangements (HRAs), providing many employers, including small businesses, a better way to provide health insurance coverage for millions of American workers.
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Hurricane Season Has Begun. What Should we Expect this Year?

Hurricane Season Has Begun. What Should we Expect this Year?

The Atlantic hurricane season extends from June 1 to November 30. The National Oceanic and Atmospheric Administration (NOAA) is predicting that a near-normal Atlantic hurricane season is most likely this year. How can you prepare?
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Expanded Medicaid Becomes More Embedded in the US Healthcare Infrastructure

Expanded Medicaid Becomes More Embedded in the US Healthcare Infrastructure

All organizations struggle with the cost of providing employee insurance. With a budget to manage, is it possible to offer health benefits at an affordable cost?
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Tornado Foes on the Increase in the U.S.

Tornado Foes on the Increase in the U.S.

Does insurance cover damages by tornadoes – the so-called acts of nature? As of May 30, 2019, the U.S. has...
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The Truth Behind Unclaimed Funds

The Truth Behind Unclaimed Funds

Is it really possible to locate money or property from dormant or forgotten bank accounts? What about pensions or wages from past employers or unclaimed life insurance funds?
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How To Buy Flood Insurance

How To Buy Flood Insurance

Many people wonder whether flood insurance is a necessity. With the threat of climate change and global warming, this coverage is critical. We explain how to buy flood insurance and provide an overview of why you need it.
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Blockchain and the Insurance Industry

Blockchain and the Insurance Industry

Inefficiencies in the commercial insurance industry and employee benefits sector poised to improve by embracing a new blockchain solution. What...
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CMR + PolicySmart Published in London

CMR + PolicySmart Published in London

You can download the PDF version of the publication here: WF June- 1702WF14 
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President, CEO Chris Roche Discusses Policy Smart

President, CEO Chris Roche Discusses Policy Smart

In an radio interview with Bob Marrone of Good Morning Westchester, WVOX-AM, President and CEO Chris Roche discusses Policy Smart...
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Retirement Plan Options as Part of a Benefits Package

Retirement Plan Options as Part of a Benefits Package

Determining company benefit package options is not the easiest of decisions for businesses offering different types of retirement plans. Insight from The CMR Database helps.
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Property & Casualty

Utilize a unique matching system to protect your org’s assets with our Property Casualty broker and vendor specialists including acting as a risk management consulting firm.

Group Benefits

We’ve saved orgs over $120M in industry overcharges while identifying coverage gaps &  duplications. Let us help manage your commercial general liability cost too.

Retirement

Let us help you manage your retirement cost and shed light as a non broker retirement advisory.

Private Equity

Search for general liability for small business and more with our proven data in private equity for Defined Benefits, Defined Contribution, 401(k), 401(b), Risk Management (Property/Casualty) and Group Benefit (Medical/Ancillary) spend categories.

  • One of America’s largest Home Health Care agencies engages CMR & Associates to audit Property/Casualty coverages to correct coverage gaps and at the same time reduces their annual spend by $1,000,000.

    Donald Brown - Director, Visiting Nurse Service Of New York

  • One of the nation’s largest auto leasing organizations with over 17,000 vehicles was facing continued Medical premium increases.  After meeting CMR & Associates, the premiums have been reduced in excess of $600,000 with a better network and plan design.

    Mike Reilly - Chief Human Resource Officer, Merchants Fleet Automobile.

  • Our long-term broker was unable to find us Professional Liability coverage at an affordable price, Until we hired CMR & Associates.  They used their proprietary database to quickly solve the problem and help us protect our organization.

    Larry Lorber - Director, Natixis

  • We engaged CMR & Associates to review our Property/Casualty costs after being with our long-term holding broker.  As a result, we saved hundreds of thousands of dollars.

    Ken Pollak - CFO, Eileen Fisher

  • CMR & Associates was able to reduce our Group Benefit medical spend, portfolio-wide by $2,500,000 with improved plan designs and servicing.

    Timothy Hart - Partner, Aurora Capital