Having an insurance policy doesn’t necessarily equal protection. Security controls may not cover new technologies. Managers may not understand changes in employment regulations. Insurance policies may not reflect business growth.
We design risk management strategies that can help reduce costs and provide protection while improving profitability. Our experts recognize the various types of potential risks within your business. We work with you to identify the root causes of risk and implement an overall plan that is customized for your business. This includes mitigating liability, cultivating a safe workplace, leveraging technology solutions to enhance your risk program and closing gaps while eliminating redundancies in coverage.
We know what insurance policies exist in the marketplace and how to optimize them to transfer risk to suit your needs. With our history and long-standing reputation, we are able to be selective in the insurance carriers we work with. We place emphasis on financially sound, stable companies that provide adequate loss control and claim service on both national and global scales.
Peace of mind comes from understanding and managing your risk exposure. We give you the tools and guidance you need to act with confidence for:
Just as you can rely on the sands of time passing, so too can you rely upon periodic adjustments to Minnesota’s workers’ compensation law. Some of the financial updates are to keep costs in line with inflation, while other changes were a result of recent changes to the law. Regardless, we’ve got a breakdown of the changes.
Uninsured flood loss from Hurricane Florence is estimated to be between $13 billion and $18.5 billion. Why the large number? Flood damage is excluded on most homeowners policies, and most homeowners do not buy stand-alone flood insurance due to its high cost. While grants and loans from FEMA will help somewhat, much of the loss from Hurricane Florence will be borne by the property owners. Therefore, it’s critical to do all you can to minimize losses now while ensuring the safety of your family.
Being disaster ready is not limited to businesses. Individuals and families also need to plan ahead in order to be prepared when disaster strikes. How will you get everyone out of the house safely? How will you access important family records? How will you get back up on your feet and to return to work?
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