Special Risk Insurance Services, Inc.
  Exceeding Your Expectations! 

Since our founding in 1985, we have focused on creating long-term mutually beneficial client relationships. The benefit of being a Special Risk client goes beyond broader coverage and guaranteed savings.  We are an integral part of our client's benefits team, providing value added services to Benefit/HR Professionals.


We offer unparalleled expertise and knowledge in specialized insurance coverages, which include:

Group Accident Coverage

Group Life Insurance

  • Business Travel Accident Insurance (BTA)
  • Basic Accidental Death & Dismemberment (AD&D)
  • Voluntary Accidental Death & Dismemberment (AD&D)
  • Package Approach to Group Accident Insurance 
  • Basic Life
  • Supplemental Life
  • Retiree Life
  • Executive Life 

Consumer Driven Products

Group Disability Insurance

  • Critical Illness
  • Homeowners
  • Long-Term Care
  • Auto
  • Pet Insurance
  • Pre-Paid Legal
  • Long Term Disability
  • Short Term Disability
  • Statutory Disability
  • Executive Disability
  • Individual Disability
  • FML Medical Leave 


Special Risk Insurance Services, Inc. (SRIS) was founded in 1985 by Dennis Kruhm and Anthony Liberatore.  Since its founding, SRIS has successfully served the needs of corporate clients, demanding better ways to purchase and administer employee benefit plans.  Working closely together in a collaboration of shared resources, talents, and capabilities, SRIS has consistently provided the most competitive terms, conditions, and coverage's for its growing list of Fortune 1000 clients!

Our word is our bond.  We do business with integrity, dedication and an unwavering committment to provide the broadest coverage at the most competitive, guaranteed cost.

Dennis Kruhm, one of the founders of SRIS recently retired in 2018 but had extensive experience with the brokerage firms of Crump Special Risk and Rollins, Burdick and Hunter; as well as the insurance companies of American International Group (AIG) and the Home Insurance Company.  Having once been an underwriter, Dennis' firsthand knowledge and broad experience within the insurance industry has proven to be an invaluable asset when negotiating with  Underwriting insurers on behalf of our clients.  
Anthony Liberatore, President of SRIS and company officer since its founding;  and a partner since 1995, had experience with the brokerage firms of Crump Special Risk and Rollins, Burdick and Hunter.  As a graduate of The University of Pennsylvania Wharton School, he earned a B.S. in Economics with an Insurance Major.  Tony is a license insurance broker and member of PEBA (PenJerDel Employee Benefits Association). 


Over the last 3 years, our clients have realized a cost savings in excess of $35 million.
A savings of $8.5 million in Long-Term Disability Renewal premiums for a Mid-Atlantic based firm.
A savings of $1.8 million in Basic LIfe Insurance premiums for a Philadelphia based Multi-Services firm.
A savings of $2.1 million in Basic & Supplemental Life and AD&D Insurance for an energy firm, In addition, a cost reduction of 35% was realized for Workers Compensation administration.
A savings of more than $500,000 in employee contributions to their Core/Buy-Up Long Term Disability plan for a retail company.
A savings of $3.3 million in Group Life Insurance and Disability premiums guaranteed for 5 years for an energy company.
A consolidation of Business Travel Accident Insurance, Travel Assistance and Out of Country Medical benefits for a manufacturing company to assure their employees with "Corporate Duty of Care" obligations.


Contact Us
If you have any questions, please do not hesitate to send us a message. We will reply within 24 hours.
Mailing Address:
P.O. Box 1108
Voorhees, NJ  08043

PA Office:
350 Sentry Parkway East
Building 610, Suite 220
Blue Bell, PA  19422
Telephone 1:
484.368.3530 ext. 204 (Tony Liberatore)

Telephone 2:
484.368.3530 ext. 203 (Ray Tuwalski)


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