Whether you are a risk taker or risk-averse, a comprehensive risk management strategy is a competitive advantage. It can protect your business from the risks that threaten to undermine what you have built. We help you understand the total cost of risk — going beyond insurance and taking into account the impact of assumed risk and uninsured losses, along with administrative costs and other factors.
Our decades of experience providing insurance brokerage, consultation and risk management services, combined with our in-depth knowledge of your business, work together to deliver effective risk management solutions that promote growth while improving profitability, so you can focus on running your business.
Peace of mind comes from understanding and managing your risk exposure. We give you the tools and guidance you need to act with confidence through:
While fall protection remains at the top of the violations list again for 2018, fall hazard training is also a top violation — coming in at number eight with 1,982 violations issued last year. OSHA’s final rule in 2016 extended the range of the walking and working surface standard for general industry and added a fall protection standard for general industry. In doing so, OSHA recognized that many general industry workers face comparable fall hazards as those in construction.
Assuming a significant portion of the assets that you have accumulated are in the form of a privately held business, planning is important, and so is timing Unfortunately, life doesn’t come with guarantees. That calls for contingency planning to make sure that you or your family receive a realistic value for the equity stake you have in your business in the event of the unexpected.
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Few employers realize the importance of overseeing the workers’ compensation premium audit, which occurs at the end of each year to ensure you are paying the correct premium. After an audit, you could receive a surprise bill if the remuneration in work comp benefits paid to employees is found to be inaccurate — or you could receive a reimbursement. Auditors are susceptible to error, so be sure to classify benefits and wages appropriately, be prepared for the audit each year, and manage the process as much as possible.