Keystone Insurers Group

Complete Needs Assessment

The Process

Many insurance brokers are merely that—brokering the latest product offering emphasizing price alone. Enterprise Risk Management (ERM) is an exposure control process, not another insurance product. This is a total cost of risk approach to your business initiatives.  

At Insuramax, we invest our time, talent and resources by conducting a comprehensive assessment of your business operations and practices to identify your exposures to risk, and provide innovative solutions to help protect your assets, goals and future plans.

Our Approach

We invest substantial manpower upfront to fully understand your corporate culture, business, business partners and philosophy. 

Once the exposure identification process is complete, we define custom strategies and implement programs to assist  to achieve its business objectives and improve the bottom line.  

Risk Management Assessment

Strategies are customized to address key exposure elements identified during this process. Our methodology is simple. We analyze your business operations from every conceivable angle to uncover the hidden exposures not seen on paper. The results address the complex exposure issues businesses are faced to deal with in today’s marketplace. This process looks at your organization, personnel, net income and property. Our insurance professionals conduct a technical review of your policies, coverages, claims and loss histories, operations, and safety and health programs. We assist in quantifying your total cost of risk. This provides the foundation for the remainder of the assessment. We have found conversing with your Supervisors and Employees provides valuable insight into your day-to-day mechanics. Your front-line employees possess the knowledge to review overall procedures that tie to exposure identification.