Our Solutions

"This is the site your current insurance carrier doesn't want you to see."
Why do insurance companies and agents often present insurance as complex? In fact, it is a simple transfer of risk.

Brownrigg's approach to assisting customers in establishing goals, objectives and performance standard for customers is unique. Our principals and employees are not just students of risk management, they are teachers through numerous company and industry sponsored programs.

It's not enough to simply buy traditional insurance policies. We educate customers to determine alternative insurance strategies such as self-insurance, cash flow funding alternatives, captives, loss sensitive programs, risk retention groups and niche group arrangements will suffice.

We explore, along with our customers, additional ways of protecting your balance sheet through risk transfer. We try to help you identify unprotected exposures to your corporation - exposures that may include pollution, occupational diseases, public claims, kidnap and ransom, and foreign or international risks.

We assist you in determining business solutions reducing costs of your insurance programs and the risks associated with loss.

Loss Prevention

Loss Prevention is an essential element to reducing the cost of your insurance. At Brownrigg we work with you to explore the individual loss prevention needs of your company.

Brownrigg assists with your loss control by matching service providers to your corporate needs. There are insurance providers and products that are industry specific. We appreciate that you are interested in loss control recommendations that are personalized to your business from specialists who know your product, process or service.

Our job is to match your needs with the providers who can help to reduce your costs while protecting your assets and your employee family.

Types of Loss Prevention Techniques may include:

• Fire Protection Engineering
• Receiving Motor Vehicle Reports
• Employee Safety Review
• Chemical or Blood Borne Pathogen Handling Practices

Your individual requirements dictate the true approach to loss prevention. With our help, you can feel good about knowing that you are protected without needless spending.

Claim Analysis

At Brownrigg we take an aggressive approach to claim management. The cost of insurance claims directly impacts the cost of your insurance program.

Brownrigg takes great pride in being involved and helpful with our customers in facilitating insurance claims. Claims are the only test you will have in evaluating your decision to buy insurance. Our best customer testimonials have been offered because of our approach to helping customers at the time of a loss. You can feel confident that Brownrigg will be there for you.

We can help you:

• Secure adjusters
• Expedite notices
• Communicate with Insurance Companies
• Satisfy policy conditions
• Request payment

How you manage your insurance claims significantly affect the claim result. We can assist you in evaluating and managing claims.

Claim management techniques may include:

• Comprehensive reporting and investigation
• Early intervention
• Managed care
• Return to work plans
• Engineering surveys
• Result oriented programs

Risk Management

Risk management services include loss control and claim management. These services may be included in your insurance premium, or may be secured on a fee basis independent of the actual insurance policies.

The broadening range of risk management services offered by insurers has caused the insureds to become more actively involved in these programs, in an effort to protect their employees and reduce insurance costs.

Risk Management Services include:

• Securing a Third Party Administrator
• Claim Monitoring Programs
• Building Inspection and Appraisals
• Motor Vehicle Reports
• Credential Checks for New Employees
• Statistical Studies and Evaluations

Risk Retention

Risk retention today refers to the amount of insurance risk that you are willing to assume via a number of strategies including raising deductibles.

There are also approaches such as:

• Risk Retention Groups
• Individual or Group Self-Insurance
• Individual or Group Self-Insurance
• Retrospective Rated Programs
• Captive Insurance Companies

We can help you to determine the risk retention that may be financially beneficial to your company.