Managing risk is one of the most complex tasks of any business, or individual. Not only does it require a wealth of information, analytical skills, time and resources, it often requires specialization. Most small businesses do not have a risk management department. Rather, a few individuals are in charge of multiple critical components of the organization, so managing risk falls down on the priority list. On the other hand, insurance is involved in every aspect of our businesses, and lives. Chances are most people and organizations either rely on their agent to provide them advice, or dont have the capacity to properly assess and understand the insurance products they are most likely paying a steep price for.

Consulting is an affordable and efficient alternative that will cost a fraction of a full time Risk Management specialist, and that will provide valuable insights to your organization, without the incentive – oftentimes being a conflict of interest – of being compensated by an insurance carrier. Our consultants work for you, and provide transparency to an industry that has been unfortunately overshadowed by a negative connotation of impropriety. If you answer “No” to all or most of the following questions, consulting will more than likely be a good fit for your organization:

• Have you conducted a risk assessment of your organization in the past 5 years? 

• Can you identify the hazards that could expose your organization to a financial loss? (i.e. liability claims, civil lawsuits, property damage, catastrophic losses, workplace accidents, theft, business interruption, etc).

• Does your organization have a designated safety officer, or incident-reporting / tracking party?

• Do you understand your insurance program to know what it covers, what to do in the event of a claim, and what your organization is paying for?

• Do you trust / rely on your insurance agent to give you unbiased consulting regarding insurance products?

• Is your insurance agent / provider responsive and resourceful?

• Do you understand what you sign when you are executing an insurance contract?

• Do you see insurance as a positive asset of your organization, rather than as an inconvenience?