We are available to advise you on how to most effectively manage your exposures to risk and help you realize the lowest total cost of risk possible. Our Risk Managers will assist you in evaluating and designing programs that protect assets and earnings from financial loss.

In working with companies to manage risk effectively, we help management answer three key questions:

What Can Go Wrong?

In the area of risk assessment, we identify and measure the potential magnitude of an organization's loss exposures and help factor risk costs into business operating plans. Specifically, we:

• identify hazards and exposures to potential loss
• quantify the ultimate risk costs of products, operations and services and then develop pricing structures that reflect these costs
• formulate product, market and business strategies based on an understanding of risk costs

What Can We Do About It?

In the area of risk control, we work with organizations to control the direct and indirect costs of losses. Specifically we:

• audit all types of risk control programs, including worker safety and health, environmental affairs, security and product/service safety
• establish workable, systematic measures to reduce and prevent losses
  
• create systems that identify and track direct and indirect costs
  
• develop disaster plans, emergency action and communication procedures, detection and response systems
  
• formulate guidelines for security systems and personnel
  
• investigate and analyze MIS risk exposures or suspected violations of security systems and policies

How Can We Maintain Financial Continuity?

In the area of risk financing, we help organizations assess the total cost of risk and determine the most effective way to provide financial protection from loss. This might include conventional insurance, self-insurance, corporate lines of credit, spread loss plans, group pools and group, or singly-owned, captive insurance companies. Specifically we:

• evaluate the adequacy and cost-effectiveness of risk financing and insurance programs
  
• audit risk management and claims administration programs
  
• analyze risk financing alternatives, including captives, risk retention groups and sponsored programs
  
• compare cost of risk for individual organizations and industry groups
  
• perform actuarial evaluations of claim liabilities and project loss costs in relation to future exposures