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 brokers by creating a strategy to address all risk management issues. Our service delivery platform addresses 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 all 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