We custom-tailor loss control services to help our insurance clients identify risks. We offer diverse risk management expertise focused on the workers' compensation, general liability, transportation, property, professional, and pollution lines in most industries. HETIRISK's roots within the insurance industry define the focus of our risk control efforts on solutions that contribute to the bottom line. Our insurance-related clients include:

• Managing General Underwriters and Agents
• Brokers
• Captive Insurance Groups
• Risk Retention Groups and Insurance Pools
• Multi-line Insurance Companies
• Self-insured Organizations
• Reinsurers

HETIRISK helps clients identify, assess, and eliminate or reduce health, safety, security, property, liability, or environmental risks to enable sound underwriting and to reduce losses. Progressive insurance organizations realize that sound underwriting and controlling losses produce competitive advantages - by increasing reinsurers' confidence and improving bottom line results.

Beyond the financial impact, sound loss control creates good relations with policyholders - by providing value-added services for their premium dollar. HETIRISK is more than a group of inspectors. We pride ourselves on providing solutions integrated with these organizational processes and goals. We believe in establishing long-term partnerships with our clients and providing world-class services at competitive rates.

Our staff of consultants can work with insurance providers to assess policyholder risks prior to and after binding, provide loss control services during the policy period, and support policyholders dealing with losses.

Representative Projects*

Foreign-Domiciled Property & Casualty Insurer - Provided pre- and post-binding risk assessments for this insurer for the past six years. Surveys were typically completed and reports generated within one week to meet underwriting needs. Our consultants provided recommendations to policyholders after approval by underwriters…as well as recommendation follow-up and implementation support.

Public Entity Property Insurance Programs - Provided risk consulting services to large property insurance groups (approximately $200 billion in insured value) - including property surveys of client facilities, business continuity planning, course of construction visits, insurable value field appraisals and valuation consulting.

Privately Held Managing General Underwriter (MGU) - For more than six years our consultants have provided risk assessment surveys and routine service visits for this MGU with a contractor book of business located on the West Coast, the Chicagoland area, and the Mid-Atlantic Region. Services included construction worksite inspections, training, audits and contract reviews. Our national presence enabled consistent services to the client's policyholders throughout the country.

West Coast Managing General Agent (MGA) - This MGA wanted to improve their risk selection and loss ratios on a package and workers' compensation book of about 200 specialty artisan contractors - with approximately $15 million in combined premium. The MGA and the Underwriter retained our consultants to improve insurance policy applications and to provide pre-binding surveys, group and supervisor training, and program development. We also provided on-going follow-up with clients to ensure risks were being mitigated and costs lowered.

*This is a brief description of our staff's project experience.

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