FOCUS on Risk Management

Tenure of Client Relationships

1992  Gabe's Construction
          Plank Enterprises

Topics: FOCUS on Risk Management, R&R Insurance, Risk Management, Construction

Issue

For many clients, the fleet exposure may very well represent the highest severity potential. We can assist in drafting a fleet program that addresses such areas as driver quality and discipline, cell phone usage, etc.

Topics: FOCUS on Risk Management, R&R Insurance, Risk Management, Fleet Safety, Construction

Issue

R&R Insurance sponsors 4-6 risk management seminars each year for our clients. In addition to the seminar schedule, webinars are available in specialized areas of interest. Please visit our website for upcoming seminars and webinars.

Topics: FOCUS on Risk Management, R&R Insurance, Risk Management, Construction

Issue

On a regular monthly basis, R&R provides clients with WC loss runs of both current and former carriers

Topics: FOCUS on Risk Management, R&R Insurance, Risk Management, Claims, Claim Management, Work Comp, Construction

Issue

Two formal claim reviews are scheduled each year:

Topics: FOCUS on Risk Management, R&R Insurance, Risk Management, Claims, Claim Management, Work Comp, Construction

Issue

R&R can provide clients with customized WC claim kits which include the following components:

Topics: FOCUS on Risk Management, R&R Insurance, Risk Management, Claims, Claim Management, Workers' Compensation, Workers Compensation, Work Comp, Workplace Safety, Construction

Issue

“TRUST” is the most important variable in any relationship, business or personal. With regard to a client’s risk management and business insurance, that “TRUST” relates to acting in a competent manner and in the client’s best interests.

Topics: FOCUS on Risk Management, R&R Insurance, Risk Management, Business Insurance, Construction

Issue

We view our responsibility to “providing a service” to our clients, rather than the “selling of a product”. Providing a service is a 12 month commitment, while selling a product frequently is not a 12 month commitment. Does your current agent/broker view the insurance placement as the end of the process or the beginning of a 12 month commitment?

Topics: FOCUS on Risk Management, R&R Insurance, Risk Management, Resources, Construction

Issue

A formal review is made of the policy period audits (CGL/Auto/WC) to verify the audit variables as accurate and to identify errors/discrepancies. Audit disputes are documented and presented to the carrier for discussion/correction.

Topics: FOCUS on Risk Management, R&R Insurance, Risk Management, Construction

Case Study

Dispute relating to a multi-year retrospective rated program (CGL/Auto/WC). Issues involved errors in the carrier’s claim handling and subrogation efforts that affected client’s experience rating. A 6 month project involved researching multiple policy periods, documenting errors, estimated increased insurance costs attributable to inflated loss ratios, presentation, and negotiation with the carrier.

Topics: FOCUS on Risk Management, R&R Insurance, Risk Management, Claims, Claim Management, Construction