Risk Control Assessments


Providing quality risk control assessments is a vital part of managing risk. Unlike many risk control service providers, we don’t conduct risk assessments for the sole purpose of completing an inspection requirement for an underwriter. In addition to meeting our insurance partners’ needs, we believe we have a responsibility to help improve the risks we are evaluating. Our consultants have years of technical experience covering several industries, and superb communication skills that can get clients to recognize the risks associated with their business; the benefits of change and a practical method to implement improvements. We currently offer physical and telephone risk control assessments for the following:

  • Commercial and Residential Construction
    • Owner and Contractor Controlled Insurance Programs
    • Contractors (General, Prime and Specialty Subcontractors), and Projects
    • Workers’ Comp
    • General Liability
    • Builders Risk
  • Commercial Liability
  • Product Liability
  • Commercial Auto

Fact-Finding Investigations


If you experience a complex or catastrophic loss, we will go on your behalf to perform a basic “fact-finding” investigation. In these situations, sometimes it’s best to have a third-party as your eyes and ears. Our goal is to be objective and resolve any conflicting information. We do not assign responsibility or determine who was at fault. Our fact-finding seeks to find out the following:

  • What happened?
  • Who was involved?
  • When did the incident occur?
  • Where did the incident take place?
  • Why did the incident happen?
  • What corrective actions (if any) have been implemented?

RiskAnalytiX


Interpreting the data on loss runs can be confusing and time consuming. Our years of experience performing trend analyses and using predictive analytics has proven to be a successful method for compelling the most challenging client to recognize problems in their organization and the need to change culturally. We use charts, graphs and dashboards to paint an illustration that is easy to interpret and understand; and to exploit historical patterns in risk to highlight opportunities for implementing organizational and behavioral change. We analyze losses to illustrate:

  • Total Case Incident Rate (TCIR) & Days Away Restricted or Transferred (DART) Analysis
    • Bureau of Labor Statistics (BLS) National Benchmark
  • Total Cost of Risk (TCOR) & Iceberg Analysis
    • OSHA (Cost vs Indirect Cost) Loss Ratios
  • Claims Frequency Analysis
  • Claims Severity Analysis
  • Mean Average Cost per Claim
  • Loss Cost per Work-hour
  • Loss Cost per Employee Classification
  • Leading Loss Drivers
  • Safety Non-compliance Analysis

Safety Consultant


Safety is an integral part to a thriving business. Many small to midsized firms lack the necessary resources to have a functional fulltime safety department or personnel that larger firms benefit from. The benefit of having a safety manager and department can result in lower insurance premiums, and fewer accidents/incidents. We work directly with companies by offering ongoing support to help improve their organizations’ safety and risk management practices. Our consultants have experience developing company safety policies and programs, safety training, routine inspections, and assistance with OSHA compliance.