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Consulting
Many industry associations or business sectors offer excellent insurance
programs to their members at very competitive costs. Other organizations
find that a "direct writing" insurance carrier offers a program
tailored for their business. In these, and many other situations, Insurance
Associates can provide consulting services to help clients in areas where
they are not the experts.
Services offered in both the group benefit and commercial insurance
areas include:
- Recommendation of cost effective management strategies based on
claims data, claims management and administration fees.
- Plan document review to include cost-benefit analysis of proposed
plan design recommendations.
- Statistical analysis and evaluation of claims data.
- Implement and assist in the development of employee education
programs.
- Information seminars on health care related topics and employer
requirements (COBRA Seminar, ERISA Compliance, etc.).
- Liaison services to assist with union negotiations.
- Preparation of specifications, bid analysis and negotiations of
reinsurance and administrative services with carriers.
- Workers compensation audit review for code and classification
errors.
- Replacement cost estimates on buildings.
- Property and liability claims negotiation and expert
witness.
- Policy interpretation and advice.
- Development of safety, loss control and return to work
programs.
- Analysis and explanation of Experience Modification Factors and
major influences.
- Risk transfer best practices to shelter clients from liability.
Benefit plan management has become increasingly complex with advances
in medical technology, medical management, risk management and changes in
state and federal legislation. The property and casualty industry has also
become more challenging when placing higher hazard property, liability and
workers compensation risks. Let us help you with the advice to make
your organization a better prospect for insurance companies. |
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