Why hire an Insurance Counselor?

A counselor can help give you direction by developing an organized approach to identify and deal with your organization's exposure to loss. Subsequently, you will be in a better position to decide how to handle these risks whether with insurance or some other, possibly less costly, risk handling technique. A review of your Disaster Plan or the development of one can go a long way toward dealing with risk and lead to a quantifiable risk management philosophy.

As counselors, we can coordinate the bidding process to direct your organization in such tasks as agent or company selection, selecting or advising relative to the insurance market place and avoiding disputes during or after the bidding process.

Bid specifications will be developed with your advice and set up to meet the specific needs of your organization. They are not "boiler plate" specifications but will address your particular risk management philosophy.

As counselors, we will not only review your current coverages but also review contracts, construction projects, leases, consortium agreements and other documents to insure coordination with your insurance program.

A claims audit will be done to quantitatively analyze your loss history to better determine your risk management direction.

Our job is to keep abreast of changes in the insurance industry, an industry so rapidly changing that most organization's business managers don't have the time or the inclination to keep up with these changes.

By providing these, and many other services, we can give your administration an independent, informed viewpoint -Direction- separate from the internal predilections of your organizations. Through this process, we have saved our Michigan clients and school districts hundreds of thousands of dollars.