Guideline—Our Process

A Comprehensive Process for Managing Enterprise Risk

Enterprise-level risk management is more than finding a broker to shop your current insurance plan to get you the cheapest deal. The Guideline Process helps a business lower costs while creating a more risk intelligent culture at your organization. Whether your risk is focused around property and casualty or providing health benefits to your company’s employees, the Guideline will combine technology with our team’s years of experience to create an intentional plan that will help you save on your premiums.

The Four Steps


In depth look at risk through historical claims reviews, current exposure, and forward looking analysis



Intentionality can minimize future claims through a combination of technology and human experience



Carefully managing property & casualty and benefit claims, even during the tough situations



Better results through risk consulting and partnering with the right carriers


  • Alternative Risk Financing & Self-Insurance
  • Carve Outs
  • Contractual Risk Transfer & COI Compliance
  • Insurance Marketing & Placement
  • M&A/Transactional Insurance
  • Supply Chain Management
  • Surety Bonding


Cobbs Allen is a national independent agency focused on enterprise risk management in niche practice groups. We deliver commercial insurance, employee benefits, personal insurance, and alternative risk financing services to our clients. Headquartered in Birmingham, AL, the firm is ranked in the top 100 of privately held brokerage firms and the top 100 of all U.S. brokerage firms.



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Birmingham, AL 35223


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Columbus, OH 43215


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