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:
Without the labeling and training required by the hazard communication standard (29 CFR 1910.1200), workers might not realize that the chemicals they work with every day could be causing cancer, lung disease or reproductive harm — and that's a serious concern. Hazard communication takes the number two spot on OSHA’s "Top 10 Most Frequently Cited Standards" list (it's number one on the MNOSHA list). This should come as no surprise since hazard communication has held this spot for over five years. And with an average of over 4,500 violations per year, it’s likely to retain its spot when the 2019 list is published later this month.
For high-net-worth households, a typical umbrella policy is often not enough. The financial consequences of being sued can be serious business. They typically have more assets at risk if they are hit with a large court settlement or judgment and, while compensatory damages may be standard across the board, some juries have seen fit to punish the rich especially hard for their negligence.