Audit-Claims Practices - An investigation and assessment of claims management practices, including reporting procedures, policyholder services, file documentation, reserves, settlement practices, litigation control, and subrogation practices for both insured and self-insured programs.

Audit-Risk Management - An independent review of existing risk management programs. Broad topics considered in the study are: Administration, Finance, Insurance, Claims Management, and Loss Control. Our work product includes a comprehensive written report detailing our findings and recommendations. In addition, we offer assistance in the implementation of recommendations.

Executive Overview - A direction finder designed for clients who may be uncertain about their consulting needs and wish a preliminary overview of their existing or proposed program before proceeding with a material change or commissioning a major consulting assignment. We perform a limited examination of the client's current programs in order to identify issues, understand potential problems, and suggest possible solutions.

Expert Witness - Interpretation of insurance coverage and explanation of industry convention is often required in arbitration and court proceedings. Our resources include senior consultants with JD degrees, an extensive insurance and law library, and Westlaw, an on-line legal research service.

Second Opinion - For clients who, on occasion, need an independent view on a specific issue and simply want to access our experience and resources on a limited use, no-frills engagement without a formal study, written report, and presentation. Second opinions can serve to reinforce a decision already made or, alternatively, identify issues and raise questions that require further consideration.

Industry Programs - For trade groups and professional associations which provide sponsored insurance programs for their members. Our services include feasibility studies, program design, preparation of specifications, marketing, and performance monitoring of insurers and service vendors.

Personal Risk Management - Examination of all aspects of an individual's personal risk management program. We develop recommendations regarding estate planning, retirement, and disability programs, including assembly and cataloging of all insurance, financial, and legal documents.

Property Loss Adjustment - Assistance with negotiation of major property and business interruption losses. Our services include development of a post-loss recovery plan, assembly and presentation of the claim(s), negotiations with insurance adjusters, and final settlement proceedings with insurers.

Retainer Services - A defined schedule of continuous services or, alternatively, an ad hoc arrangement in which we respond only to specific requests. One frequently utilized, continuous retainer service is to monitor and reconcile all cost/coverage documentation issued by insurers.

Specifications and Marketing - To facilitate an orderly request for competitive proposals from insurers and service vendors, we develop written specifications. Activities include design of specifications, assignment of markets, conducting pre-proposal conferences, analysis of proposals, negotiation with proposers, formulating recommendations, presenting results to management, and assisting with the installation of new programs.

Reach us at (727) 577-2780