Isn’t It Time Your P&C Broker Offered You More?
From compliance to communication, let us provide a full spectrum of solutions for you and your company.
Identify
Risk management is only possible when exposures are correctly identified.
Having Accurate Protection Can Make All The Difference
We understand the challenges today’s employers face, and we know you’re asked to take on more than ever before. Let us make sure your business is protected.
The average broker meets your basic needs when it comes to claims, plans and renewal negotiation but what about new exposures like cyber-attacks and changes in legislation?
Our Approach Is Different
We’re Focused
On Your Results
Gain a competitive edge in today’s challenging business environment by taking advantage of our web based client resource center. Customized to your needs there is a wealth of valuable information, on a wide and diverse variety of issues, that comes to you without having to sort through vast amounts of information on the internet or pay various vendors– all you have to do is search our concise database.
What will you find in our Accurate Protection Connect:
- Collaborate with business peers in a dynamic interactive online forum;
- Develop a customized safety manual;
- Access our online OSHA reporting system;
- Legislative updates;
- Convenient 24/7 online claims reporting;
- Create customized employee newsletters an payroll stuffers and
- Gain access to a library of over 1,000 downloadable articles in both English and Spanish.
Myths Vs. Facts
Not all policies are created equally. Most people compare the 7 pages of coverage and go with the cheapest option. It is the 200 pages of exclusions that will make or break your coverage. We read the fine print so you don’t have to.
Insurance is a commodity.
Fact
Insurance can certainly seem like a commodity if the price is the determining factor. However, your insurance program should be viewed as the risk management tool that it is. Why? Proactive risk management consistently leads to fewer claims.
But that’s only half the story.
Businesses with proactive risk management processes earn better insurance pricing.
We know how underwriters think, and we create a narrative detailing the processes and controls you have in place. We position your company as best in class, creating a feeding frenzy with underwriters.
We get results, better coverage, and better pricing for our clients.
Insurance brokers are all the same.
Fact
We take a different approach, which yields better results for our clients.
We take the time and ask the right questions to get to know you and your business, which means we recognize risks that may otherwise go unnoticed.
We work with our clients to help them understand what is covered in their insurance program and, sometimes, more importantly, what they are choosing to self insure. We reduce the chance of any future surprises.
Our comprehensive approach allows us to create a compelling story for underwriters educating them not only about your business but also about the risk-reducing strategies that you’ve implemented.
Our approach gets you accurate protection at the best possible pricing.
Insurance proposals are easy to compare.
Fact
Comparing a few pages of coverage doesn’t tell the entire story of a policy. What’s covered is essential, but understanding what’s excluded is critical.
Policies are often hundreds of pages of legal jargon and company-specific terms and conditions. It’s impossible to truly compare policies without reading and understanding exclusions, definitions, and confusing policy language.
What is covered on page 16 of a policy can then be excluded on page 47, partially carved back on page 92, and the coverage definition is later expanded on page 183. Sounds confusing? It is.
We make the complicated simple to understand.
Shopping with other brokers keeps my pricing down.
Fact
Multiple brokers “bidding” your renewal rewards “speed” and not “accuracy.” Why? Insurance companies only accept submissions from one broker, and they’ll only release a quote to the first broker who submits an application.
So, brokers race to be first, and this leads to sloppy work and incomplete submissions.
Instead, focus on establishing a strong relationship with a broker who will take the time to understand your business, works with you to manage your company’s risk effectively, and can create a compelling story for underwriters.
Once you find the right broker, consider whether you want them as a consultant or as a salesperson. If you value their knowledge, strategies, and enjoy working with them, turning them into a salesperson by shopping them regularly is generally not in your best interest.
The proposal with the lowest premium is best.
Fact
An insurance policy is a complex contract with coverage limitations and exclusions written throughout the policy.
A proposal with a low price can look attractive. However, hidden exclusions can lead to an uncovered claim resulting in your ultimate insurance costs being significantly higher.
We work with our clients to develop risk reducing strategies that lower their exposure to claims resulting in more predictable insurance renewal pricing long-term.
A big agency is better.
Fact
Bigger isn’t always better. Better is better.
An error in your insurance program can devastate your company. A brokers knowledge, time, and commitment to excellence is critical.
The intense production pressure prevalent at large brokers drives production goals, not accuracy.
We understand the complexities of insurance and stay on top of emerging insurance trends. And we take the time to establish relationships with our clients and deliver personalized attention.
We’ve Got You Covered
We don’t sell insurance, we get your business the accurate protection it needs.
Reduce Risk. Work Smart!
A Targeted
Risk Management
Program
Risk is one of the greatest challenges for any business, yet the ongoing pressure of running the firm can prevent business owners from taking effective action against it. That’s where Accurate Protection steps in. We work directly with our clients, helping identify risks and providing support for a smart approach to reducing or eliminating exposure.
Our detailed, multi-part education program, Work Smart, gives business owners the kick-start they need to implement their own risk mitigation programs. Filled with over 30 documented smart business practices* in every area, from hiring to pre-incident planning, Work Smart helps business leaders develop activities, policies and procedures that can reduce unnecessary business risks.
Let us teach you how to manage your workers’ compensation program. Cut costs and create better outcomes for your injured workers.
Experience Modification Review
Your Experience Mod drives the cost of your workers’ compensation program. Accurate Protection has powerful analytical tools to identify and analyze problem areas that are escalating your premiums. Our thorough analysis allows us to work with you to develop targeted solutions to save you money on both claims and premiums be developing strategies to control both the frequency and severity of claims.
Safety Programs
Accurate Protection has extensive resources needed for you to improve upon your current workplace safety program or develop a new one. Beyond the program development we also have a wide range of tools needed to promote safety awareness. From payroll stuffers, informational flyers and employee surveys to newsletters, audit forms as well as the information needed to run safety meetings.
Loss Control
A well designed loss control program is an important cost control measure. Utilize our resources to help you minimize your losses and protect your bottom line.
Return To Work Program
Accident prevention and a return to work program are essential to control your workers’ compensation costs and reduce losses. Utilize our resources for creating an effective return to work program. Return valued employees to work sooner, boost employee morale, discourage abuse and control costs.
OSHA Compliance
Accurate Protection delivers the strategies, tools and resources you need to assist with OSHA standards and requirements. In matters ranging from understanding OSHA regulations, preparing for an OSHA inspection to record keeping capabilities and relevant legislative updates we have the information you need.
Custom Communication
In your customized online resource center you will find an extensive library of cost containment and loss control tools, with a broad range of communications, including ready-to-use employee newsletters, posters and payroll stuffers. Within your online resource center you also have access to professionals from all over the country for knowledge sharing opportunities.
Fraud Prevention
There are key steps you can take for effective fraud prevention but the most important steps are strong internal controls. Utilize the resources we have at Accurate Protection to put the policies, procedures and activities in place to prevent fraud.
Risk Management
Risk should be actively managed not simply insured. We work with you through our Accurate Protection 365 risk management process to identify and analyze exposures in your business operations. Based on this information we will help you establish and execute a risk management strategy tailored to your specific needs.
