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business solutions
Business Solutions

Our Approach

We provide our clients with a true business solution, not just an insurance solution. We differentiate ourselves from other firms by creating a strategy to address a broad range of risk management issues. Our service delivery platform responds to the simplest to the most complex exposures by employing tactical, technical and strategic methods, supported by powerful customized analytic tools. While most brokers typically limit their involvement to coverage placement, we take a proactive approach in managing risk in critical areas of your business through these four steps:

ANALYZE

Discovery and identification of exposures

DESIGN

Plan creation and strategy development

ENGAGE

Implementation of risk management programs

MEASURE

Strategic review, monitoring and evaluation

We deliver results

We believe that your path to success is as individual as your insurance needs. Our clients’ success has proven that our 4-Step Process is truly our differentiator.

  • Increased profits

  • Improved employee well-being

  • Safer workplace

  • Increased productivity

  • Improved risk profile

  • Reduced total cost of risk

Results Graph

Solutions that support your business goals

We go beyond the ordinary to deliver exceptional client service, meaningful financial impact and fulfillment of our clients’ goals and objectives.

Cost Control

ANALYZE

Evaluate risk and prepare a pre-submission engineering inspection to position your risk as “Best in Class”

DESIGN

Presentation of your risk, along with a dynamic narrative, to appeal to the underwriter; completion of loss stratifications and large claims analysis, saving the underwriter time and effort

ENGAGE

Hand deliver new submission; invite carriers to visit your operation and learn about your business

MEASURE

Generate lower premiums due to competitive pricing by carriers; reduced risk due to acquisition of appropriate coverages

Cost Control

Service Advantage

ANALYZE

Investigate claims with complex coverage issues; Identify over-reserved claims to negotiate

DESIGN

Establish a strategic action plan to close open claims; create programs and protocol to ensure the best results

ENGAGE

Manage claims to conclusion; arrange and attend meetings to resolve coverage disputes; facilitate communication between all parties involved

MEASURE

Report on claims investigations and the accuracy of claims reserves, reduce number and total cost of claims to improve operational results and increase profitability

Business Men

Comprehensive Coverage

ANALYZE

Identify any gaps in current insurance program or areas that may be over-insured

DESIGN

Tailor insurance coverage to meet your specific risk management needs

ENGAGE

Broaden policies and address challenges; take necessary steps to confirm your company is viewed as an excellent risk with potential profit to carriers

MEASURE

Improve operational results and increase profitability

Coverage

Risk Tolerance

ANALYZE

Review current risk management program and conduct Historic Trend Analysis to benchmark against peers; understand gaps in current insurance program

DESIGN

Build insurance and risk management program to eliminate, manage, or transfer risk; use future premium projections to plan and budget

ENGAGE

Obtain quotes for additional coverage or implement risk avoidance

MEASURE

Test real-world losses against Risk Tolerance plan set in place; ensure policies perform as expected during a loss

Risk Tolerance

safety culture

ANALYZE

Identify unique exposures; conduct assessments; review historical loss data

DESIGN

Establish certificate of insurance standards and procedures for compliance; develop safety and incentive programs

ENGAGE

Conduct Injury & Illness Prevention training; provide web-based risk management platform

MEASURE

Reduce frequency and cost of adverse events

High Five

alternative risk

ANALYZE

Review of past claims; define clear trends and attachment points for deductibles/retentions and use of reinsurance

DESIGN

Create risk management strategy; coordinate administration and management of claims in compliance with SCM designed service instructions

ENGAGE

Proactively participate in the underwriting, finance, and risk control decisions that reduce costs and improve the workplace

MEASURE

Benchmark ultimate costs of loss sensitive programs against traditional First Dollar programs

Hiker