• Unit Risk Management Report -  All locations on the program (those that serve liquor and those that do not) will utilize the Unit Risk Management Report, which we have designed and implemented to increase accountability at the unit level.  
• Physical Inspections - All accounts on the program (those that serve liquor and those that do not) will have a minimum of 10% and/or at least 1 location physically inspected utilizing our loss control inspection form.
• Liquor Litigation Assessment -  Liquor Liability Claims are the Catastrophes that no one ever wants to deal with.  They usually involve severe injuries and/or death.  One only has to look at the any of the industry periodicals to see the awards associated with such incidents.  It is these awards that can force a company in to bankruptcy or liquidation.   We take this exposure extremely seriously.  We have extensive experience with this difficult issue and have developed the Liquor Litigation Assessment Program as a way to protect our clients.
• Secret Shopper - All accounts that serve Alcohol on the program will have a minimum of 10% or at least 1 location inspected by the Secret Shopper during peak hours of operations to determine that the proper protocols are in place for the services of alcohol.

Claims Audits & Handling

• Claims Handling - Third Party Administrator (TPA)- We utilize a number of Third Party Administrators that can demonstrate the ability to successful adjudicate claims for the restaurant industry.  We have developed a number strict claim protocols specifically designed to assist our clients and prevail in the case of a claim.  The TPAs we utilize are required to follow these protocols in the handling of the claim of our clients.  The net result has been exceptional. Understand exactly how the claims will be handled and under what timeline before you sign a TPA Contract

• Claim Audits -"Don't Expect what You Don't Inspect"  Every company is trying to improve margins everyday.  Third Party Administrators are not different.  Even with the most definitive protocols and pay for performance contracts, do not expect anyone to handle your claims the way you may have if you were trained to do so.   That is with TPAs what if you are at the mercy of the claims department of a large insurance company, good luck.  

When we hire a TPA for a client,  or place coverage on a guaranteed cost basis we are intimately involved in the claims administration.  We do claim audits for clients regularly and the results can be shocking.  Keep us in mind the next time you look at your loss runs and realize the reserves posted will dictate your pricing.  

Loss Analysis & Forecasting

• Exposure & Loss Analysis - Unless you fully understand the  exposures your company represent and the cause and origin of your claims, you can not expect aggressive pricing.  Due or our finance and reinsurance experience, we are uniquely positioned to assist companies like yours in the analysis of your exposure and losses and how they impact your pricing.  Once armed with this vital information and the various other tools developed to address these exposures and losses, the client will be able to negotiate much more attractive pricing. 
• Rate developments - These tools are reserved for those companies that understand and have addressed the exposures and loses and are willing to share in their risk.  It can be very rewarding economically to a company but can only be explored with the full commitment and understanding of upper management.

Please contact us for more info.