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Risk and Safety Management

Risk Management is a four-step process utilized by Summit Insurance to identify, understand, implement and monitor the risk management strategies for you and your business. Here, we briefly examine those four steps.

Step 1 – Identify Exposures
During this crucial initial phase, Summit Insurance will invest the time to understand every facet of your business in order to help you and your team identify the risks which face your business. By evaluating the effectiveness of risk management programs, practices and resources under "real world" conditions, we assure that your assets receive precisely the right type of protections.

Step 2 – Define Strategies to Handle Risk
Once Summit Insurance has developed a thorough understanding of your business, including your industry, corporate cultures and operating procedures, we are ready to move to Risk Management, exploring a spectrum of proven alternative strategies to minimize risk and reduce insurance costs.

Step 3 – Implementation of Programs
During the implementation process we put in place specially tailored programs and strategies designed to protect your assets while reducing insurance costs. A strong belief in Summit Insurance’s process motivates insurance companies to offer much lower costs on your behalf.

Step 4 – Ongoing Monitoring & Adjustment
You and your business are dynamic – what works for you today might not work as well tomorrow. For this reason, Summit Insurance will continue to monitor and adjust your risk management programs to ensure a perfect fit as your business evolves and changes. This is where Summit Insurance’s more comprehensive understanding of your business (see Step 1) can pay huge dividends, by enabling us to precisely tailor your protection to fit the unique needs of your business.

Scope of Summit's Risk Management Services:

• Risk analysis — an evaluation of all client operations, risk control programs, safety and training programs and crisis management.
• Review of current exposures in Property, Liability, Vehicle, and Workers’ Compensation coverages.
• Analysis of accident/injury review process.
• Review of historical loss experience.
• Evaluation of risk financing options, including loss sensitive and retention levels.
• Insurance program review, including workers’ compensation mod worksheets.
• Preparation of specifications for carrier submissions.
• Carrier evaluation and bid analysis.
• Same day Certificates of Insurance.
• Periodic claim reviews.
• Risk management program development assistance.
• On-going Safety and Loss Prevention support.