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Risk Management

Very often the most complicated and misunderstood element of a family’s world is their property and casualty portfolio. The areas of concern and issues of significance are so extensive they intimidate. An audit of this portfolio is very important. The qualities of the carrier, the ratings from all agencies, the limits, the exclusions, the riders are only the starting point. The audit and analysis is a process that delves into every aspect of risk. Before any policy evaluation ever begins, the initial phase is a comprehensive review of the risk needs. There can be no valid recommendation or solution without a total grasp of the reasons underlying the program. The structure of the indemnified is likewise reviewed and to distinguish between individual, corporate and partnership protection is a vital consideration. The ultimate objective is to provide a trilogy of results. The three targets are the most competitive cost, the highest rated carriers, and the appropriate level of protection.


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