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RJL Risk Management Services |
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RJL specializes in providing part-time insurance and
risk management to companies large enough to need internal expertise, but not large enough to justify the expense of a full-time department. Unlike a broker, we do not sell insurance nor do we represent any insurance carrier. We focus more on the important day-to-day details of managing your insurance program so critical in minimizing costs. The result will be to assist you in obtaining:
- a truly objective evaluation of your insurance program,
- lower cost insurance,
- a reduction of management's time, which is so valuable.
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A brief summary of the specific Services we provide include: |
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- AUDIT / REPORT TO MANAGEMENT. This is a detailed review of all policies to determine adequacy / necessity of coverages and a determination of appropriate premiums. A report to management and recommendations follow.
- ADMINISTER PROPOSAL PROCESS. Implement the RJL system of broker / carrier selection, concentrating on client control of the process. Diligent shopping, via the use of significant competitive pressure, is the only proven method to assure you are not overpaying premiums. We explore all alternatives because we have no vested interest in the final decision. This is different than a broker who is limited to only those carriers he represents. We will perform this process for your business package, workers compensation, and group medical / dental coverages.
- NEGOTIATE PROPOSALS. Consistently we have seen that there is always room to negotiate better coverage, terms and conditions, and/or premium after a proposal is presented. We will help you negotiate the best deal available.
- SAFETY. Preventing losses before they occur is essential to lowering insurance costs. We will audit your current program and subsequently develop or enhance key elements as necessary, drawing upon our years of experience working with similar companies. We will sit on your safety committee and provide hands-on direction.
- CLAIMS MANAGEMENT. The key to long-term cost reduction is loss reduction. Insurance carriers often are not diligent in expediting claims, allowing the final costs to escalate. We will monitor the progress of claims and intercede as necessary.
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