Property and Casualty Insurance Brokerage

Our clients know that the true measure of value in a P & C plan isn't simply lower-negotiated rates at renewal time, but how well it supports your business objectives — your profitability — year after year. A well-designed plan is more than a portfolio of coverages. It's a custom set of built-in, sustaining risk strategies and solutions.

This is what we call TF Managed Risk ™:  an ongoing, pro-active risk control program that sets a foundation from which to pursue your vision.

It's axiomatic that, even within the same industry, every firm's operational culture is unique. Your risk control and financing considerations must relate to an array of company-specific factors:  market position, capital structures, even staffing. And even though technology is helpful (if not indispensable) for comparative and trend analyses, the variables of risk control can never be reduced entirely to an actuarial model. There's no substitute for experienced consultative insight and imagination.

Our approach begins with a baseline study of your firm's profile, people and potential exposures. This includes an audit of all relevant operating documents, financial statements and third-party agreements. From this "identification" phase we move step-by-step through a proven regimen of evaluation, risk control and monitoring of program effectiveness.

• General and excess liability, commercial property, auto, D & O.
• Broad experience, deep industry relationships and purchasing leverage to discern, negotiate and assemble the right coverages – no more, no less.
• Review of all risk financing options – including loss sensitive plans, deductibles, self-insured and captive insurance programs.
• Evaluation of alternative risk transfer programs.
• Safety auditing, training and managing.
• Actuarial modeling to measure cash flow, loss forecasts and other data.
• Benchmarking of risk-control costs and premiums against industry norms and relevant trends.
• Streamlined documentation procedures to ensure prompt delivery of accurate policies, endorsements, premium allocations, invoices and certificates of insurance.
• Consultative management of claims.

For more details on TF Managed Risk, please Contact Us.