We view our risk management service as a dynamic process that does not end when a client buys a product or settles a claim.

Our account executives provide a level of responsiveness that is the hallmark of our service. Our claims service has won the respect not only of our clients but also of insurance carriers and attorneys. Our attention to our clients and our accessibility is second to none.

Some of the highlights of our risk management services are:

Risk Analysis and Contract Review.
Our service begins with a thorough review of a client's risks. We work with management to determine which exposures are best assumed and which are best insured.

Claims Analysis and Negotiation.
Our clients' administrative burden is substantially reduced by our attention to the claims process. The ultimate test of the insurance product and the broker's accountability comes when a claim is filed. Our Director of Claims Management monitors the reserve amounts, works with outside legal representation, and directs settlement negotiations. Our goal is to guarantee the most advantageous settlement for our clients.

Loss Prevention
We work with insurance carriers to design loss prevention programs to minimize risk. We pay particular attention to those risks associated with harassment, workplace discrimination, wrongful termination, and workplace violence.

Client Education
We provide loss prevention and risk management seminars to individual clients and groups of clients. Our web site, newsletters and client advisories keep our clients informed about trends and changes in the insurance marketplace that can affect them.

Monitoring
We monitor risk management programs and discuss program alterations to meet the client's changing needs.

Bonding.
We place various fidelity and surety bonds including bid bonds, performance and payment bonds for contractors and public officials, administration bonds, license and permit bonds, fidelity bonds for pension plans, and crime policies.

Alternatives to Traditional Insurance
We have designed alternative risk transfer programs including captive insurance companies, self insured programs, retrospectively rated policies and large deductible programs.