Property & Casualty

We apply a consistent, consultative, and holistic risk-management approach to businesses of all sizes from a range of industries. After gaining a deep understanding of your operations, risks, attitudes, and goals, we design, negotiate, and place the most appropriate risk-financing solution—ranging from fully insured, to deductible, to captive, to self-insurance programs. We also help prevent losses and help mitigate them if and when they do occur. Once an insurance program is in place, our account management teams are readily available to proactively handle any of your administrative needs.

We apply a consistent, consultative, and holistic risk-management approach to businesses of all sizes from a range of industries. After gaining a deep understanding of your operations, risks, attitudes, and goals, we design, negotiate, and place the most appropriate risk-financing solution—ranging from fully insured, to deductible, to captive, to self-insurance programs. We also help prevent losses and help mitigate them if and when they do occur. Once an insurance program is in place, our account management teams are readily available to proactively handle any of your administrative needs.

We utilize all options on the risk-financing continuum to best fit your needs and offer insurance products from an array of insurance carriers:

  • Property
  • Casualty – General Liability, Auto Liability, Umbrella/Excess Liability
  • Workers’ Compensation
  • Professional Liability
    • Executive-Risk Coverages
    • Directors’ & Officers’ Liability
    • Employment-Practices Liability
    • Fiduciary Liability
    • Crime
  • Cyber-Risk
  • Industry Specialties:
    • Agriculture (Crop)
    • Higher Education – Educators’ Legal Liability
    • Construction – Contractor- / Owner-Controlled Program, Builders’ Risk, Bonds
    • Transportation – Liability, Physical Damage, Cargo

Risk Identification and Analysis

It is critical we gain a thorough understanding of the unique blend of your operations, exposures, and attitudes toward risk.

We start with a comprehensive review typically including the following:

  • Physical inspections
  • Deep-dive interviews with senior leadership and key operational staff
  • An analysis of historical losses and claim trends, which can impact placement results; where there is sufficient data, we will complete statistical loss projections
  • A review of existing insurance policies and insurance program financial structures
  • A review of any current risk-control and loss-prevention initiatives

Upon renewals for our existing clients, we repeat many of these steps to track operational changes, monitor current insurance-program performance, and ensure our unwavering understanding of the organization.

Program Design, Negotiation and Placement

Strategic Planning

With risk-identification and analysis information in hand, we then begin the insurance-placement process with a strategic planning session, during which we set goals for insurance renewals.

We will do the following :

  • Discuss all potential risk-treatment techniques that may include a blend of avoidance, retention, and/or risk transfer either through insurance or contract
  • Review the scope and structure of existing insurance programs to help ensure coverage, retentions/deductible, and limits are appropriate, and decide if any adjustments should be made
  • Evaluate the state of the insurance marketplace and determine whether to market competitively or to renew with existing carriers

Program Marketing

We take the following steps:

  • Carrier selection
    We know about the insurance marketplace and extensive carrier relationships. The insurance market is dynamic, and we devote tremendous time and energy to stay current on insurer capabilities and underwriting appetites. Our understanding of the markets, coupled with our significant premium volume, puts us in a position of strength to carefully match clients with suitable insurers and use our negotiating leverage.
  • Underwriting submission
    Before approaching the market(s), we invest time to ensure we create a quality submission that accurately represents your operations, exposures, risks, loss-prevention activities, and our renewal expectations of the markets, including coverages, structure options, and pricing.
  • Negotiation
    We work with underwriters to push for the most advantageous options for our clients. In some instances, we even find it is effective to invite our clients to meet personally with key underwriters. We aim to avoid surprises and work to keep you apprised of our negotiation progress.
  • Renewal Presentation
    We prepare detailed comparisons of coverage terms and conditions, program financial factors (e.g., premiums, retentions, deductible, limits, etc.) and, if appropriate, alternative program structures. We review advantages and disadvantages of each alternative and make recommendations.
  • Placement and Ongoing Monitoring
    Once we implement the program, we continue to monitor its performance throughout the year, assess how well it works, and make modifications if necessary.

Post Placement Day-to-Day Administration

We recognize that once we move past the insurance policy renewal date, we have an important ongoing obligation to provide support for the remaining 364 days of the year.

In order to help ensure programs are running smoothly, we offer the following services:

  • Deliver binding confirmation documentation
  • Handle all accounting matters
  • Create schedules of insurance
  • See that policies are issued, checked for accuracy, and delivered as quickly as possible
  • Make policy modifications as changing circumstances require during the year
  • Promptly issue certificates of insurance and vehicle ID cards
  • Maintain any and all required databases
  • Review insurance-related provisions in contracts and agreements
  • Field coverage questions
  • Keep you abreast of relevant insurance marketplace, legal, or legislative issues or developments

Claims Consulting

Clients buy insurance to protect themselves or their organizations in the event of a claim. But the world of insurance claims is often unfamiliar, confusing, and complicated. We invest in claims advocates who have the expertise to support and guide you through the claims process.

Claims advocacy functions may include the following:

  • Serving as a technical resource and advisor on claims issues
  • Reviewing existing claims reporting and claims handling procedures and/or developing new claims-handling agreements
  • Performing loss and reserve analyses
  • Auditing selected claim files
  • Working with brokerage-placement teams to prepare statistical analyses on claims data and trends for renewal submissions and underwriting negotiations
  • Monitoring carrier or third-party-administrator claims-handling performance
  • Keeping you abreast of relevant insurance marketplace, legal, or legislative issues or developments.

Loss Control

We invest in post-loss claim advocacy resources to help you manage claims that have already occurred and in hiring loss-control consulting staff who are skilled at helping clients design and implement pre-loss programs to limit or avoid claims before they happen. We work with you to integrate risk-management, risk-control, and loss-prevention activities into your operations and to create safer workplaces. We have an extensive suite of loss-control and safety services tailored to meet the needs of both general and specialized industries.

These services include, but are not limited to, the following:

  • Evaluation of current programs, policies, and procedures
  • Safety inspections
  • Loss-history trend analysis and operational risk identification
  • Loss-control and safety-program design and implementation
  • Onsite or online safety training for employees and supervisory staff
  • Regulatory compliance (e.g., OSHA and DOT)
  • Employee and fleet safety manuals
  • Ergonomics evaluations and training
  • Accident-investigation and loss-recovery protocols/procedures
  • Return-to-work programs

Marco Figueroa

Senior Loss Control Consultant

(559) 691-4189   

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