What we do
Our Process
A more personal approach to business insurance solutions for delivery companies.
Getting to know your business
Unlike traditional insurance brokers, we’re dedicated to getting to know every client on a personal level, learning everything we can about their assets, their employees, and how they operate. This helps us ensure that everything is covered, no matter what.
Finding just the right fit
Our process is customized according to the way you run your business. We help join you with businesses just as committed to safety and engagement. And we tailor our support to complement your own organization’s structure, filling in wherever there are gaps.
Focusing on long-term health
Our support doesn’t simply end once documents are signed. We remain your partner throughout the life of the captive, developing a multi-year plan to improve your risk score and supporting you with the HR and compliance services that will help create a better workplace.
Our services
We work tirelessly to become a part of your team
Our team brings years of experience to save time, money, and earn the trust and loyalty of each of our clients.
Captive Evaluation Assessing risk and reward
Captive Evaluation
We’ll never try to “sell” you on joining a captive—we only help move your business into a captive program if it is the right fit for you to reap the benefits. With the correct evaluation of payment and claims history, it’s quickly apparent if a group captive works or if it doesn’t. If it does, then we discuss the process for moving forward. If, by chance, a captive is not the right program for your company today, we have a plan to help you improve your processes so you’ll qualify in the future.
We’ll support you with:
- Claims history review
- Premium history review
- Carrier evaluation
- HR structure review
- Personal & corporate asset review
Group Matching Finding the best fit
Group Matching
Your strong record of workplace safety and financial security will put you in an exclusive group of qualifying businesses. Once you’ve decided to move forward, we’ll collect more detailed financial information to submit to actuaries and underwriters. We’ll reveal your personal risk and reward and review your cost and premium estimates so you’ll know exactly what to expect as a new member of your group captive.
We’ll support you with:
- Financial information submission
- Risk & reward review
- Cost estimates
- Premium estimates
Claims Management Reviewing and tracking costs
Claims Management
Reducing costs is just the beginning—most important is the overall health and success of your business and employees. Our mission is to help catch errors, advocate on your behalf, and create the best outcome. Our group of experts knows just as much about claims and adjustors as they do about member-owned captives, and their goal is to help keep your reserves closely in line with projected costs.
We’ll support you with:
- Questionable claim reviews
- Injury claims investigation & tracking
- Reserves reviews & projected cost alignment
- Carrier intervention
- Claims adjustor intervention
HR Support Keeping employees safe
HR Support
The well-being of your employees is your priority, and it’s ours, too. We offer hands-on assistance with employment policies, hiring, and compliance. This includes on-site workshops, personnel templates, education on best practices, and continued troubleshooting throughout the member-owned captive program.
We’ll support you with:
- Regulation compliance
- Leave of absence management
- Job description review
- Employee handbook review
- HR advisory review
Regulatory Compliance Meeting every standard
Regulatory Compliance
Companies who put safety first not only reduce costs, but also increase employee engagement and create happier workplaces. We offer in-the-field safety and loss control support to limit claims, OSHA citations, and lost hours. This begins with training workshops and on-site visits, and we’re also on hand to operate as a partner throughout any inspections, citations, and appeals.
We’ll support you with:
- Injury & illness prevention training
- Sexual harassment prevention training
- Violence prevention training
- OSHA compliance review
- OSHA compliance training
- Safety training material review
- OSHA process partnering
Policy Management Ensuring complete coverage
Policy Management
Since it’s common for business owners to mix assets, residences, vehicles, and investments with personal ones, oversights often occur under traditional insurance arrangements. Stricter formats and procedures don’t always cover these unintentional oversights. Our personal approach ensures the protection of both business and individual assets in a way that stricter formats and procedures simply can’t—ensuring that everything is always covered.
We’ll support you with:
- Personal asset evaluation
- Business asset review
- Policy adjustment recommendation