Independent Risk Management Consultants
Risk Management Analysis, Plans, Strategies and Solutions

As professional Risk Management Consultants, recognizes that while every company shares certain similar risks, each company has its own individual exposures. One of the most important assets we bring to the table is our ability to assess your current insurance and risk management programs in their dynamic relationship to your particular operations and management philosophy. In other words, one size does not fit all!

As independent business (commercial) insurance consultants, we have no ties, affiliations or commission arrangements with insurance providers or related services. Our fees come strictly from you, the client; we are licensed to consult on a fee-for-service basis only. This obviously allows our research and recommendations to be truly objective and unbiased. However, because we have no industry ties, we are also empowered to think outside the box, evaluating your actual circumstances and needs as the constant, rather than being constrained to the cookie cutter approach preferred by any single provider. Here is an outline of some of the risk management services we provide:

Insurance, Risk and Exposure Reports:
• Exposure Analysis
• Adequacy of Coverages and Limits
• Appropriateness of Deductibles
• Competitiveness of Premiums
• Risk Contractual Financing Alternatives
• Risk Transfer
• Accuracy of Named Insureds

Specifications, Bids, Renewals:
• RFP Specification Drafting and Distribution
• Bid Proposal Analysis
• Contract Review and Negotiation
• Renew Negotiation/Coordination
• Third-Party Administrator and Ancillary Service Specifications/Evaluation
• Broker-of-Record Specifications/Analysis

Risk Financing Options and Alternatives:
• Self-Insurance
• Retention Plans
• Retro Plans
• Captive Insurance
• Loss and Cost Projections
• Funding Requirements and Balances
• Financial, Accounting, Tax and Regulatory
• Excess Insurance and Reinsurance
• Servicing Requirements

Risk Management Administration:
• Claims
• Safety
• Cost Allocations
• Budgeting
• Certificates of Insurance
• Insurances Required from Others
• Subrogation
• Record Keeping
• Reports to Management

Special Risk Management Services:
• Redesign of Policy Language
• Due Diligence Studies
• Risk Impact Studies for Mergers, Acquisitions, and Divestitures
• Design and Evaluation of Risk
• Management Information Systems
• Design and Evaluation of Risk Management Departments
• Rating Classification Studies
• Management Education Services
• Legal & Litigation Support/Expert Witness
• Analysis of New or Special Coverages
• Claims Audits

Worker's Compensation Non-Subscriber Services:
• Service Provider Analysis
• Insurance Considerations
• Contractual Risk Transfer Strategy