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.
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Increased profits
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Improved employee well-being
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Safer workplace
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Increased productivity
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Improved risk profile
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Reduced total cost of risk
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
Evaluate risk and prepare a pre-submission engineering inspection to position your risk as “Best in Class”
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
Hand deliver new submission; invite carriers to visit your operation and learn about your business
Generate lower premiums due to competitive pricing by carriers; reduced risk due to acquisition of appropriate coverages
Service Advantage
Investigate claims with complex coverage issues; Identify over-reserved claims to negotiate
Establish a strategic action plan to close open claims; create programs and protocol to ensure the best results
Manage claims to conclusion; arrange and attend meetings to resolve coverage disputes; facilitate communication between all parties involved
Report on claims investigations and the accuracy of claims reserves, reduce number and total cost of claims to improve operational results and increase profitability
Comprehensive Coverage
Identify any gaps in current insurance program or areas that may be over-insured
Tailor insurance coverage to meet your specific risk management needs
Broaden policies and address challenges; take necessary steps to confirm your company is viewed as an excellent risk with potential profit to carriers
Improve operational results and increase profitability
Risk Tolerance
Review current risk management program and conduct Historic Trend Analysis to benchmark against peers; understand gaps in current insurance program
Build insurance and risk management program to eliminate, manage, or transfer risk; use future premium projections to plan and budget
Obtain quotes for additional coverage or implement risk avoidance
Test real-world losses against Risk Tolerance plan set in place; ensure policies perform as expected during a loss
safety culture
Identify unique exposures; conduct assessments; review historical loss data
Establish certificate of insurance standards and procedures for compliance; develop safety and incentive programs
Conduct Injury & Illness Prevention training; provide web-based risk management platform
Reduce frequency and cost of adverse events
alternative risk
Review of past claims; define clear trends and attachment points for deductibles/retentions and use of reinsurance
Create risk management strategy; coordinate administration and management of claims in compliance with SCM designed service instructions
Proactively participate in the underwriting, finance, and risk control decisions that reduce costs and improve the workplace
Benchmark ultimate costs of loss sensitive programs against traditional First Dollar programs
