RWL GROUP recognizes that while every company shares certain similar risks, each company has its own individual exposures. One of the most important assets we bring to the table is our ability to assess your current insurance and risk management programs in their dynamic relationship to your particular operations and management philosophy. In other words, one size does not fit all!
As independent consultants, we have no ties, affiliations or commission arrangements with any provider of insurance or related services. Our fees come strictly from you, the client; we are licensed to consult on a fee-for-service basis only. This obviously allows our research and recommendations to be truly objective and unbiased. However, because we have no industry ties, we are also empowered to think outside the box, evaluating your actual circumstances and needs as the constant, rather than being constrained to the cookie cutter approach preferred by any single provider. Here is an outline of some of the risk management services we provide:
Insurance, Risk and Exposure Reports:
Exposure Analysis
Adequacy of Coverages and Limits
Appropriateness of Deductibles
Competitiveness of Premiums
Risk Contractual Financing Alternatives
Risk Transfer
Accuracy of Named Insureds
Specifications, Bids, Renewals:
RFP Specification Drafting and Distribution
Bid Proposal Analysis
Contract Review and Negotiation
Renew Negotiation/Coordination
Third-Party Administrator and Ancillary Service Specifications/Evaluation
Broker-of-Record Specifications/Analysis
Risk Financing Options and Alternatives:
Self-Insurance
Retention Plans
Retro Plans
Captive Insurance
Loss and Cost Projections
Funding Requirements and Balances
Financial, Accounting, Tax and Regulatory
Excess Insurance and Reinsurance
Servicing Requirements
Risk Management Administration:
Claims
Safety
Cost Allocations
Budgeting
Certificates of Insurance
Insurances Required from Others
Subrogation
Record Keeping
Reports to Management
Special Risk Management Services:
Redesign of Policy Language
Due Diligence Studies
Risk Impact Studies for Mergers, Acquisitions, and Divestitures
Design and Evaluation of Risk
Management Information Systems
Design and Evaluation of Risk Management Departments
Rating Classification Studies
Management Education Services
Legal & Litigation Support/Expert Witness
Analysis of New or Special Coverages
Claims Audits
Worker's Compensation:
Verification of Experience Modifiers
Second Injury Fund Recoveries
Insurance Paper-Flow Procedures
Verification of Premium Audits
Worker's Compensation Non-Subscriber Services:
Service Provider Analysis
Insurance Considerations
Contractual Risk Transfer Strategy
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