Having an insurance policy doesn’t necessarily equal protection. Security controls may not cover new technologies. Managers may not understand changes in employment regulations. Insurance policies may not reflect business growth.
We design risk management strategies that can help reduce costs and provide protection while improving profitability. Our experts recognize the various types of potential risks within your business. We work with you to identify the root causes of risk and implement an overall plan that is customized for your business. This includes mitigating liability, cultivating a safe workplace, leveraging technology solutions to enhance your risk program and closing gaps while eliminating redundancies in coverage.
We know what insurance policies exist in the marketplace and how to optimize them to transfer risk to suit your needs. With our history and long-standing reputation, we are able to be selective in the insurance carriers we work with. We place emphasis on financially sound, stable companies that provide adequate loss control and claim service on both national and global scales.
Peace of mind comes from understanding and managing your risk exposure. We give you the tools and guidance you need to act with confidence for:
Your employees need to know about the chemicals they are working with or exposed to, hazards associated with each chemical and how to protect themselves. Although many employees work with potentially hazardous materials on a regular basis, they can maintain a safe working environment if they use chemicals as they were intended and follow necessary safety precautions. An effective hazard communication program is designed to teach everyone how to safely handle and work with the chemicals they encounter every day.
Nonprofits are certainly not immune to conflicts. The cost of a nonprofit lawsuit will sometimes climb to around a half million dollars — notwithstanding any award that may be owed as a result. A board's decision could expose the nonprofit and its directors to a claim or lawsuit. In order for a nonprofit to protect its mission and its board members’ personal assets, directors and officers (D&O) insurance may be a crucial investment.
Opioid use and abuse is becoming an increasing part of the national conversation — so much so that the Department of Transportation (DOT) recently changed its drug testing protocols to include several common opioids, which may impact how employers with DOT obligations administrate their drug testing programs. However, concerns about the impact of opioids in the workplace go well beyond DOT drivers, and many current non-DOT drug tests include screens for opioids. So what happens when someone tests positive? And should it matter whether they have a legitimate prescription for the opioid?
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