Property & Casualty
Designing a Property & Casualty program is more than purchasing insurance.
Risk management is identifying risk and protecting your business investment from the potentially crippling financial effects of:
- Property losses represent damage to assets you own including theft, misappropriation and malicious damage or destruction.
- Income losses represent loss of net income that would have been earned or incurred prior to a loss; and the continuing normal operating expenses incurred, including payroll.
- Liability losses represent the event of legal liability alleging your company caused damage or loss to another.
- Personnel losses represent medical and wage-loss benefits to employees who are injured on the job.
At Bearence Management Group, we focus on the effect of the loss rather than the cause of the loss. This emphasis is on reducing your overall costs of dealing with risk by whatever is the most appropriate means. Our main areas of focus include:
- Developing your best mix of risk management techniques – Techniques center around avoidance, reduction, retention and transfer.
- Advancement of your Risk Management policy and procedures – Exposure review beyond current coverage, dealing with both insurable and uninsurable risks.
- Customized pre-loss and post-loss processes –
Design a program and training that addresses and communicates your goals and objectives.
Strong business plans need a representative that will think beyond insurance. Our programs are built with the objective to protect your long-term financial investment.
.
The foundation of our agency is to protect our clients' business. That is why we will go to great lengths to deliver exceptional service tailored specifically toward your business. Our firm combines excellent service with industry-specific expertise.
