Multi-State Capabilities
Most all of our clients enjoy multi-state exposure. Therefore, we ensure that all of the insurance providers we are licensed with have multi-state capabilities. A large segment of our practice is devoted to risk management accounts which produce in excess of $1 Billion in sales. As a result of this experience, we believe there are a few areas where meaningful contributions can be made by your chosen risk management partner:
- When handling multi-state accounts it is important to understand how respective states treat and adjudicate workers compensation claims. Workers Compensation continues to be a challenge to many employers. We have the ability to "peel away the onion" in workers compensation programs to design an insurance mechanism that is truly cost transparent, ultimately identifying and eliminating monetary leakage.
- It is important to understand weather and earthquake models in specific states prior to building a program. If this is not contemplated and understood prior to property insurance negotiations it will be fair to say the client will be at a disadvantage.
- It also makes great sense to partner with insurers who have multi-state offices. This facilitates an effective distribution of services locally rendered (i.e., loss control and claims adjustment/management processes).
