need a risk management and insurance adviser in addition to your
agent or broker because:
1. You will
save money on your insurance premiums.
forms of insurance which are actuarially driven, property and casualty
insurance is priced based on the underwriter's judgement about the
risk and the market. The rating manual gives guidance, but each
risk is different, and the environment (technology, legal climate,
safety standards, etc.) are constantly changing.
is flexible and creating competition for your business is the way
to drive the price down.
We know the
market dynamics and how to create competition for your business,
whether working solely with your current broker, or with multiple
2. The biggest
companies have risk managers on staff. You need one too.
We are your
risk manager. We are your expert in the confusing realm of risk
and insurance. The risks of business are constantly changing and
they are complex. Insurance policies are complex too, sometimes
covering hundreds of pages. Can you ferret out the important exclusions,
limitations or conditions? Can you sort out the insurer puffery
from the facts?
We are licensed,
educated as and trained as risk management and insurance advisers.
3. Risk management
is more than insurance.
are directed and redirected by contracts between trading partners.
Have you agreed to indemnify another party? Will your liability
insurance cover that assumed liability? Have you foregone opportunities
to obtain indemnification from others whereby you could insulate
your own insurance program from loss, and thus prevent future premium
increases? Do you have the right safety programs in place?
4. We make
your life easier.
Don't be your
own property/casualty insurance expert. Focus on your core business.
As Geoffrey Moore says in Living on the Fault Line,"...Context
always gets in the way of core. It's a simple matter of absorbing
time, talent and management attention."
the function to us, and do what you do best.
We will let
you sleep at night knowing your job and your company are not in
5. We are
on your side.
We work solely
for you as your advocate and expert.
ready to be your partner in your business ventures. Contact us now.