Case Studies

Crystal & Company and Northern Tier Energy ensure contract compliance with Applied

Crystal & Company, a risk advisory solutions firm, needed to find an application to manage certificates of insurance for its client, Northern Tier Energy (NTE), an oil refinery business. Crystal implemented Applied certTrax, the only certificate of insurance tracking application specifically for agencies, for NTE. The company’s compliance rate has now increased from 54 percent to 90 percent since leveraging Applied certTrax.

"Applied offers customized applications to solve our client’s needs. We were able to help NTE reduce their time spent on certificate management and better understand their business, ultimately benefitting both of our organizations."

Mike Riehle

Managing Director,
Crystal & Company


NTE approached Crystal & Company for assistance in finding an application to manage its large volume of certificates. NTE required a robust certificate tracking application due to the inherent risks of crude oil refining. As an independent downstream energy company that deals with refining and transport operations, it was critical to obtain certificates of insurance from all vendors.


Crystal & Company decided to leverage Applied certTrax to meet the risk management needs of NTE. Applied certTrax expands risk management services by tracking certificates of insurance for their insured’s third-party vendors. There are a series of pre-requirements that vendors must complete before coming on site that involve safety, training and insurance compliance. Because of the nature of NTE’s business, it is critical that the certificates be aggressively monitored. “With Applied certTrax, our terminal employees can determine if a hauler is in compliance before they are given access,” said Sara Paul, risk manager, Northern Tier Energy. “If someone is not in compliance and shouldn’t be on site, our employees can lock them out. It’s a matter of compliance.”


When Crystal & Company initially implemented Applied certTrax for NTE, the refinery’s third-party insurance compliance was less than 54 percent. Today, compliance is more than 90 percent. The aggressive tracking of insurance requirements and vendor compliance mitigates NTE’s financial exposure, should there be a claim. “The compliance reports play an integral role in negotiating with underwriters,” said Michael Riehle, managing director, Crystal & Company. “Insurers will typically ask us how our commercial clients are managing contracts. Applied certTrax allows us to show that NTE is a best-in-class company and makes the underwriters feel comfortable.”

Crystal provides NTE certificate tracking, policy writing, claims management, loss control and insurance placement. “Applied offers customized solutions to solve our client’s needs,” said Riehle. “We were able to help NTE reduce their time spent on certificate management and better understand their business, ultimately benefitting both of our organizations.” The partnership between Crystal and Applied enables Crystal and its clients to optimize operational efficiency and compliance, ultimately strengthening Crystal’s client relationships.

About Crystal & Company

Crystal & Company provides corporate, private client and risk advisory solutions to companies and individuals across the U.S. With headquarters in New York City, Crystal is a founding member of Brokerslink, a global alliance of leading independent insurance brokerages comprised of nearly 6,000 professionals, serving clients from 260 offices in more than 50 countries around the world.

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Company Snapshot

Founded in 1930s
400 employees
11 offices in the U.S.

Software Leveraged

Applied certTrax

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