Industry

Services Expertise
Coverage and Contract Analysis

• Review of Franchisor and Loan Insurance Requirements.
• Ability to run property valuations to make certain that you are insured to value.
• Review of Crisis Event programs.
• Certificate Review Programs.

Loss Control

• In-house Loss Control Consultant

• Recommendations to better manage loss experience.

• OSHA audit information and review.

• On-Site training.

• Education and Training workshops

Claims-Handling

• In-house Client Claims Advocate
• Act as a go-between with the client and the carrier.
• For Record Only program to reduce claim frequency and impact on future premiums.
• Recommend Physician Networks.

Information and Communication Tools

• Training on carrier website utilization.
• On-line Claims Access.
• Cost Allocations by property.

Management Reports

• Generate reports by location and entity.
• Loss reports with claims split by location and entity.
• Individual loss control and recommendations.
• Audit information available by location or entity.
• Ease of transition in and out of program without penalty.

Pricing

• Competitive pricing due to program economies of scale.
• Spread of risk.
• Higher program limits than what can be secured individually.
• One loss does not devastate the program.
• Reduction in pricing swings – consistent pricing over time.
• Increased competition and market availability.

Coverage

• Blanket Property Limits.
• Agreed Amount provision – waives coinsurance penalty.
• Earthquake and Flood Coverage available.
• Per location Aggregate (Applies to both the General Liability and Excess Liability policies).
• Coverage Extension Endorsement tailored to needs of the Hospitality Industry.
• 24 Business Interruption deductible available.

Additional Resources

• Cyber and Professional Program
• Employee Benefits on Line Platform
• HR Consulting