Our Businesses

Cinium Risk Management is a firm that provides risk management services to the construction and surety industries as well as municipalities engaged in infrastructure, capital projects and large program development. As a wholly-owned subsidiary of Cinium Financial Services Corporation, Cinium Risk Management’s mission is to minimize financial losses in the construction and surety industries, while maximizing contractor performance through the utilization of its funds administration services and extensive construction management experience. Funds administration is also a valuable tool for contractors to secure or increase their bonding capacity by providing third-party receipt and disbursement of funds to help ensure the satisfactory completion of a project contract.

Below are some of the municipalities and private companies that have made use of Cinium Risk Management’s services:

Arlington Airport, WA
Ashland Construction Company, GA
Board of Ed. of Baltimore County, MD
California Dept. of Transportation, CA
City of Half Moon Bay, CA
City of Philadelphia, PA
Clark/McCarthy Joint Venture, CA
Dormitory Authority of the State of NY, NY
Hudson Meridian Construction, NY
Matt Construction Corp., CA
Meja Construction Inc., GA
Mount Glen Lakes Dam Association, NJ
New York Power Authority, NY
Planada School District, CA
St. Louis Public School District, MO
Louisiana Office of Community Dev., LA
State of Maryland- Port Admin., MD
The Salvation Army
Village of Pinecrest, FL
Walsh Construction Company, IL
Wells Fargo, TX

Arlington Heights Park District, IL
Atlantic South Construction, Inc., GA
Borough of Ambridge, PA
City & County of Honolulu, HI
City of Long Beach, CA
City of Raytown, MO
County of Alameda, CA
Hollister Construction Services, NJ
Lambert-St. Louis International Airport, MO
Maywood-Melrose Park School District, IL
Metropolitan Transit Authority, NY
NYC Health & Hospitals Corp., NY
Pennsylvania Dept of Gen. Services, PA
Pullman Park Development, IL
State of Hawaii Dept. of Education, HI
State of MD Dept. of General Services, MD
Suffolk County Water Authority, NY
University of HI Manoa Pacific Coop., HI
Village of Waukegan, IL
Westhampton Beach School District, NY

Cinium Finance Corporation is a provider of funds for credit programs. These programs include working capital advances and equipment financing/leasing for clients.

Cinium Underwriter Services Group is a 50 state licensed general insurance agency. It provides property and casualty insurance and writes commercial lines including but not limited to: Workers’ Compensation, Vehicle, General Liability, Marine and Inland Marine, Equipment Breakdown.

Upper Hudson National Insurance Company (UHNIC) is a New York state domiciled P&C insurance carrier. The Company is licensed and admitted in 16 states and authorized to issue a vast range of products including Surety and Fidelity, Fire, Property, Casualty, Worker’s Compensation, Employers’ Liability, Marine and Inland Marine, and Legal Services Insurance. UHNIC also acts as a reinsurer for the Tower Insurance Company of New York and its affiliate, CastlePoint National Insurance Company (Class X Carriers rated A- by A.M. Best). Both firms provide a specialty surety market in 50 states for all of Cinium’s products and services.

Ox Bonding Insurance Services provides a specialty surety market to its clients that revolve around the Contractor Credit Program (CCP), which is marketed in 50 states through Ox Bonding. Our surety products are offered on a Class X carrier rated A- by A.M. Best.

Visit OxBonding.com for more information.

Ox Payroll has cultivated a partnership with the largest payroll provider in the world, to combine their payroll expertise with Ox Payroll’s construction industry knowledge and unsurpassed customer service. Ox Payroll also provides certified payroll reporting for all clients that are engaged in contracts that require prevailing wage.

Visit OxPayroll.com for more information.

Ox Credit Services provides working capital, in the form of a credit facility, to clients with verifiable construction contracts. The Working Capital Advance Program provides receivables financing in 50 states to general contractors as well as the artisan trades. Ox Credit Services has also developed a unique methodology to secure clients significant supplier and vendor discounts resulting in savings and strengthened relationships.

Visit OxCreditServices.com for more information.