Employee Benefits

We are uniquely qualified to analyze, design, build, and implement client-focused benefits solutions.

Human Resources Advisory

Having a robust human capital strategy with an emphasis on talent management is essential for sustainable business performance.

HR Compliance

We can help you properly respond to regulatory requirements and establish policies and practices to curtail risks associated with employment practices.

Learning and Development

We can work with clients in completing a learning needs analysis and developing learning programs that foster individual, team and organizational development.


No industry makes up more than 12% of business. Our process is more effective than a focus on a specific industry. Our execution of risk management and human capital best practices yields better results.

Aging Services

KMRD provides aging services organizations with sound, proactive risk management delivering certainty in an uncertain world.


We help you reduce risk within and among your various locations. We can help companies respond to changing times and conditions.

Wholesale Distribution

We can help you deliver a comprehensive range of insurance and risk management services for the wholesale and distribution industry.


We design successful programs for technology companies. Our value is better and more predictable coverage at a lower cost of risk.


We help educators protect and improve their institution, students and reputation.


We help pharmaceutical firms make better business decisions while providing increased protection at a reduced cost of risk.

Real Estate

Our team has seen catastrophic loss first-hand. We protect your assets and reputation by identifying and controlling risk.

Home Staging

KMRD created an exclusive insurance program for home staging professionals.


We have designed enough insurance and recycling risk management programs for recyclers to know “off the shelf” programs are not enough.

Government Contractors

We understand the risks and intricacies surrounding working with local, state & federal governments.

Food Processing

We understand the challenges of packers, processors and retailers of consumables.


We have the experience and expertise in the risk & insurance issues facing contractors today.

Hospitality & Leisure

From risk transfer to privacy liability, our team provides comprehensive insurance programs to those in hospitality and leisure business.

Social Services

We understand the challenges for those with a social service mission.


Oil, gas, utilities, solar.  We will take the time to understand your business and will custom design a solution for your risks.

Building Services

Whether you are managing buildings for others or providing janitorial services, we can assist you with managing your risks.

Safety Consultants

We have experience working with independent safety consultants in protecting their interests and meeting the contractual obligations of there clients.

Why the KMRD Approach is Better

Our clients trust us to become part of their management team, protect their business, and help them save additional costs.

Better Coverage

We take the time to thoroughly review your policies and deliver the right risk and insurance coverage for all your needs.

Better Access

We provide a secure and collaborative environment offering 24/7 access for everyone on your team around the globe.

Better Control

We perform a disciplined review across your entire operation to understand all of your company’s exposures.

Better Delivery

We take the time to get to know your company and we equip you with a team that cares about getting it right.