Insurance & Risk Management Programs

Our goal is to see that our clients have knowledge of all options available so they can make an informed business decision. We can discuss risk retention and risk transfer alternatives that they may not be aware of.

Design/Implement/Audit Insurance and Risk Management Programs

  • Identify exposures to loss
  • Review loss history
  • Determine appropriate levels of risk retention
  • Consider risk transfer options
  • Evaluate risk financing alternatives
  • Recommend scope of coverage and limits with detailed analysis of policy
  • Terms and conditions
  • Request and negotiate needed enhancements from broker
  • Monitor results on an ongoing basis.


Joe, You have been a blessing to Salem Ministries with all the work you have done and the generosity from you and your firm. You have been a blessing to me personally making my job easier and giving me the confidence that what has been done and will be done is best for the ministry here. Thank you.

Paul AlthoffDirector Missions and Operations, Salem Lutheran Lutheran Church

Irving and Joe have been extremely helpful in guiding my associates and me through several risk management situations from Katrina in New Orleans to a slip and fall on a sidewalk in Houston. If you want to know if you can count on them, just look at the integrity of the Principals. I highly recommend Pozmantier Williams Insurance Consultants.

Barry LewisGoldeneye Inc.

We have had the good fortune to work with Irving Pozmantier and Joe Williams as our insurance consultants for several years. In our opinion, their level of expertise in the commercial insurance business is unparalleled. Our insurance agent knows that Irving and Joe will be looking over their shoulder. On too many occasions to count, Irving and Joe have saved us money on premiums and improved our insurance coverages. In addition to being savvy insurance consultants, Irving and Joe are two of the finest men we have ever had the pleasure of working with.

Brad KaganKagan Realty Investors, Inc.

I can’t speak highly enough about the professional opinion and suggestions we received when we had Mr. Pozmantier review our insurance program. He added to our comfort level that our insurance coverage was sufficient to cover the exposures in our business.

Philip RoyaltyTexas Pipe & Supply Company

We have proudly referred Irving Pozmantier and Joe Williams to our clients for many years. Their depth of knowledge on all facets of risk management is literally, as good as it gets. Our firm and our clients also appreciate the objectivity, independence, and creativity that they bring to bear on all matters assigned to them.

Milton Frankfort

My personal experience and interaction with your abilities in the field of insurance is unsurpassed by anyone else I know in the business. Your professionalism and your knowledge of the most appropriate coverage and liability limitation was a one of a kind experience for me. Since that time I have never seen that level of experience again. Thank you for letting me gain some experience in this field that I am sure to pass on to other clients I call on.

Mark KleinsmithManaging Director, Saybrook Marketing Group Inc.

I guess I could say that someone gave us a lottery ticket for your services and we won the jackpot. We’re just really fortunate. I don’t think very many people here understand what a gift you’ve given your neighbors.

Lee BlaskGeneral Manager, Villa d’Este