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Risk Management

Crum & Forster offers customized services and solutions that address the unique exposures and special needs of risk management clients. We learn your business, structure an insurance program suitable to your needs, and engage our Loss Control and Claim Services at the onset, and throughout our relationship, to assist you with your risk management objectives. A stewardship process is established, aimed at mitigating your exposures and delivering upon your service expectations.

Coverages

    Automobile General Liability Workers’ Compensation

Risk Profile

  • Accounts with expected ultimate losses of between $500,000 to $5,000,000
  • Accounts interested in a flexible collateral approach
  • Accounts in need of multiple program options:
    • Guaranteed Cost
    • Loss Sensitive: Deductibles, Retrospective, Self Insured Retention
    • (no minimum premium for loss sensitive accounts)
  • Accounts interested in accurate and timely policy issuance
  • Accounts seeking customized claims and loss control services

Target Classes

Healthcare

  • Hospitals & Clinics
  • Diagnostics Service Centers
  • Assisted Living (WC Only)

Manufacturing

  • Plastics
  • Metals
  • Food Processing

Social Services

  • Residential Care
  • Individual & Family Services

Real Estate / Financial Services

  • Property Managers / Owners
  • REIT’s
  • Security Brokers, Dealers (WC & Auto)

Technology / Life Sciences

  • Technology Services Providers
  • Bio-Pharmaceuticals Firms

Hospitality

  • Hotels, Resorts, Conference Centers
  • Restaurants
  • Gaming
  • Golf Courses & Spas

Education Institutions

  • Colleges & Universities

Agricultural Crop Production

  • Vegetables
  • Orchards

Retail / Wholesale

  • Grocery Stores / Supermarkets

Other Interests

  • Accounts in Bankruptcy
  • Reverse Flow (Foreign Parent)
  • Mergers & Acquisitions

Crum & Forster Advantage

  • Customized Claims & Loss Control Service Plans created to reduce your total cost of risk
  • Stewardship process designed to actively engage the policyholder and broker for optimal service delivery
  • A full complement of medical management programs aimed at providing quality care at competitively managed pricing 
  • Medical Bill Review charges at significantly lower costs than other companies – ask to see a comparison chart! 
  • Medical Provider Networks in every state with a choice of three in California, plus one Health Care Organization 
  • Bilingual claims and loss control professionals 
  • Detail driven investigations and litigation plans
  • Client focused Loss Control evaluations providing Loss Analysis to determine “cause and effect” loss relationships and specific risk improvement recommendations

This material is provided for information purposes only and is not intended to be a representation of coverage that may exist in any particular situation under a policy issued by one of the Crum & Forster companies. All conditions of coverage, terms and limitations are defined and provided for in the policy.