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:
Why do we fail to set safety goals? There is likely a long list with time and resources being at the top. Or maybe goals were set in the past and they were never met. Even with a mountain of data, goal setting is hard work. The right goals balance objectives, strategy and performance. When it comes to setting safety goals, we have identified five things you should consider to establish goals that motivate and spark renewed efforts toward safety.
Once upon a time, the price of a business insurance policy was determined, in large part, by an underwriter’s assessment of an organization’s risk. The underwriter would weigh the perceived risk the insurance carrier was taking on and determine premiums for taking on that risk. But as more and more data becomes digitized, data is playing a more central role in insurance carriers’ determinations — not only in pricing a risk, but whether to even take on the risk in the first place. Enter predictive modeling.
OSHA recently released a memo clarifying how to apply standards when conducting compliance investigations. The federal regulations are still in place and remain unchanged, but the memo raises some concerns about post-accident drug testing. If you’re going to conduct post-accident drug testing, you should still have some reason to believe that drug or alcohol use could have increased the likelihood of the incident occurring. Also, if you’re going to offer safety incentives for clean safety records, consider accompanying them with other incentive programs that more clearly reward actual safe practices or behaviors.
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