ICA is an organization of professional consultants with offices in New Jersey, New York, California and Florida, experienced in solving the risk management and insurance challenges of its clients and implementing creative and cost-effective solutions. With 67 years of experience, ICA recognizes the inherent conflict of interest that exists between the policyholder and their own insurance brokers, agents or insurance companies who are not always driven for the good of the policyholder but by their own need to sell insurance products. As risk management professionals, ICA’s Associates fill this gap by providing experienced, unbiased counsel and uncomplicated advice to Clients. ICA’s professionals design and implement the most optimal and cost-effective risk management programs based on superior risk management strategies not generally recommended by insurance providers. ICA does not sell insurance and operates with complete impartiality and independence. With ICA as their advocate, their clients can focus on business, assured that their risk management and insurance concerns are properly addressed.