The chance of loss, what might happen and what is the likelihood of its’ occurrence. Potential possibilities of loss must be identified. Use of surveys and inspections.

A review and evaluation of existing insurance policies, establishes a benchmark for perils that are covered, losses which may be excluded, amounts of coverage, and premiums being charged.

Program Design  The design of a complete program dealing with both insured and uninsurable risks and the development of techniques for dealing with them. This involves three basic functions: risk detection, analysis and evaluation, decision making.

Analysis and review of specific insurance company quotations.

The analysis of loss, why it happens, how often it will occur in the future, how much it costs, how to plan for it.

A detailed examination of charges and credits based on construction, occupancy, exposure and protection and how these rates may be favorably influenced.

Detailed evaluation of real and personal property to establish market and/or insurable values.

Risk analysis, insurance plan design, implementation, and management on a fee basis.

Dealing with hazardous exposures, physical hazards, life safety of personnel, driver safety, fire, etc.

What to do following a catastrophe. A written plan.

In depth analysis of current trends in worker safety. Let us help your firm implement a complete program unique to your operations.