John Pryor, CPCU, ARM, AAI, AIS

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pryor-consulting.com

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Services:

Risk and Coverage Analyses

• Do you have the right insurance for your operations and services?

• Are your policies written to properly address the risks faced by your organization?

• Are your policies designed to minimize your administrative burden?

• Are your premiums in line with the current insurance marketplace?

 Bid Management / Broker Selection Processes

• How can competitive proposals improve your organization’s coverage and premiums?

• What brokers / agents are actually qualified to work on your program?

• How do you select the best proposal from those presented to you?

 Claim Assistance

• Are your claims handled properly by your insurance company?

• Is the carrier's settlement offer to you fair - based on the coverage you purchased?

• Is denial of your claim proper?

• What coverage should have been in place to cover the loss?

Insurance and Risk Management Services

• How do you manage the entirety of your insurance program?

• Do you have a Business Continuity Plan?

• What critical issues need to be addressed at renewal time?

• Should your broker / agent provide alternative proposals?

• What loss control services are currently provided?  Are they sufficient?

• What claims management issues need to be addressed?

• What non-insurance (risk management) alternatives should you consider?

Typical Outcomes for Clients

Unbiased Counsel

• We never accept commissions, fees, or gifts from the insurers or broker / agents with whom we work.

• We do not sell insurance – ever!

• We sell expertise to help you choose the right insurance – from the right broker / agent and insurance company.

Improved Coverage

• We discover problem areas and errors in your insurance policies.

• We help you make knowledge-based decisions – and avoid "surprises".

Lower Premiums

• We know where to find premium-dollar leakage.

• We can help you take steps to lower your claims frequency – and thereby lower your premiums over time.

• We can help you more appropriately allocate insurance dollars to maximize your protection yet minimize your overall “cost of risk”.

• We are the first to say insurance is not the most cost-effective treatment for every risk.  We help you work effectively with non-insurance alternatives -- risk management techniques to reduce and control your costs.

Easier Administration

• Our knowledge of insurance systems and processes makes it easier for you to manage your insurance program.

• Our risk management manual tailored to your organization will facilitate administration.

• We provide you more time for your core competencies, your customers, and the growth of your organization.

• We guide you through the maze of insurance technical terminology – and seemingly mysterious processes – to provide you straight answers in terms you understand and can apply with savings in time and effort.

Claim Assistance

• Aggressive, practical, and focused pursuit of your insurance claims translates to faster resolution and improved protection of your interests.

• We help you develop a plan to assure continuity of your organization in the wake of a major loss – whether it’s insured or not.

Excellent Service

• We are dedicated to our clients and whatever is in their best interest.

• We respond to all client email messages within one business day.

• Phone messages from clients are returned within 90 minutes during business hours – and, when possible, outside normal business hours

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© John Pryor, CPCU, ARM,AAI,AIS ▪ Insurance Consulting ▪ Bakersfield, California
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