Our consultative approach to insurance provides us with a broad understanding of our clients' businesses and the specific challenges they face. With this foundation, we are equipped to advise our clients in a wide range of areas.

Some clients seek assistance in developing and executing an employee benefits strategy. Others seek cost-effective risk-management strategies that respond to the full range of risks faced by their businesses. In either case, once we have guided our clients in identifying appropriate solutions, we deploy the necessary expertise and resources to implement those solutions.

Some of our advisory services include:

Employee Benefits Consulting:

With operations spanning numerous locations and multiple classes of employees, larger firms often require advice and support in achieving the objectives of their employee benefits strategies. In addition to marketing benefit plans, we advise our clients on plan design, cost benchmarking, regulatory compliance, employee contribution strategies, and technology deployment.

Risk Transfer & Risk Financing:

When clients grapple with a risk management problem with no obvious solution, we identify creative strategies to effectively transfer risk into the insurance marketplace. Some of the strategies we have recommended and deployed include Warranty programs, Captive insurers, Finite Risk and Integrated Risk programs, Contingent Capital facilities, and other sophisticated risk-transfer and risk-financing solutions.

Mergers & Acquisitions:

Insurance-related costs can be a significant, hidden expense in M&A transactions. We help clients quantify risk exposures before they commit their resources, identifying potential problems and implementing solutions. Problems may include hidden liabilities, such as under-funded loss reserves or environmental damage. Solutions may include specialized insurance policies, such as Representations & Warranties insurance or Environmental Liability coverage.