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We view our clients in the light of what we've been able to do for them. Clients of all sizes and industries, private companies and public entities, have enriched and protected themselves and their stakeholders through risk management. With our guidance and execution:

A company with real estate assets whose property portfolio was under-valued and under-insured and premiums were too high had their total property values determined and increased by 27%. In the event of a flood, terrorist attack or other natural disaster, this company could have suffered a complete loss with an asset being totally wiped out. With our help, the company now has increased coverage and protection, and reduced premiums with financial statements risk adjusted and proper value secured.

Creating energy industry software is a complicated business. The uniqueness of the structure and business model was never communicated to the underwriter and the broker never researched more appropriate programs. Their premium was reduced by $102,000.00, a 75% reduction. More importantly, three extremely harmful exclusions concerning computer virus were deleted. What if they hadn’t managed their risk and were attacked by a virus that caused their software to act erratically in a crucial application?

A transportation company that provides livery services including drivers, limos, sedans, vans and buses was suffering losses due to accidents and third party liability. A safe driver selection and training program has been developed and implemented, drastically reducing loss, improving driver statistics and as a result reducing premiums. This system tracks accidents and pinpoints causes and solutions. The new programs have dramatically improved the overall image, performance, service and success of the drivers and the company as a whole.

A real estate company's contracts with sub-contractors had not been properly reviewed. A high exposure to loss was not taken into consideration. A crucial subcontractor non-compliance exclusion was removed and the premium was reduced by $120,000.00, a 27% reduction. What if the exclusion had not been eliminated and the subcontractor had caused a multi-million dollar claim?

An online dating service was using a standard policy provided by their insurance broker. The policy was created for a traditional offline business. It did not take into consideration the IT, data and personal injury & liability risks that they were exposed to. Now they have a custom policy designed for their unique online business providing complete protection. What if critical data or intellectual property had been stolen, damaged or compromised by an employee or a stolen laptop? What if a client was hurt while using their service?

A pharmaceutical firm was able to build a $180 million R&D facility on land which was formerly a landfill. The risk of discovery of additional pollutants was transferred to an insurer under a program we designed and negotiated for them.

A Massachusetts state agency redesigned their workers compensation self-insurance program to provide for reporting and accountability that had previously resided only in the private sector. Before our engagement their "pay as you go" system did not have the measurement tools to tell them where they were, much less the controls to achieve a change in direction. Our recommendations had the potential to result in savings in excess of $2 million per year.

A start-up company with limited funds got their risk management strategy off the ground and solved a nagging problem without paying a consulting fee which would have broken the bank. They were concerned about liability to their customers due to possible defects in their software product, and were also concerned about a potential law suit from a minority stockholder over alleged mismanagement of the company. We jointly developed a risk management strategy to deal with these issues for a flat fee of only $3500 under our Small Company/Start-up Program.

A general contractor solved an insurance availability crisis which would have otherwise put it out of business. A series of claims arising from the acts of subcontractors had impacted the GC's own liability insurance program. A large crane accident was the last straw causing the incumbent insurer to pull the plug. Other insurers refused to step in at any price. The solution was a new policy calling for indemnification from all subs and a religious adherence to the new contract form embodying that policy. We took the newly improved risk to the marketplace and negotiated a creative form of "loss-sensitive" coverage under which the new insurer could be comfortable that our client was sharing in the loss costs, thus dedicated to the new program. Coverage was put in place and the contractor moved ahead on solid footing.