Risk Management
Lower your cost of risk, not just your premium
Premium is one number. Your total cost of risk includes claims, experience mods, audits, and the time your team spends managing all of it. We work on the whole picture.
What We Do
Risk services built into every account
These aren't add-ons with a separate fee. They're how we service healthcare facility accounts.
Claims Advocacy
We stay on your claims from first report to close. Open reserve reviews, adjuster follow-up, and pressure on stale files that drive up your mod.
Experience Mod Management
We analyze your experience modification, verify the data behind it, and project where it's headed so there are no renewal surprises.
Premium Audit Support
We review audit results before you pay them. Misclassified payroll and inflated exposures get disputed, not absorbed.
Loss Analysis
Consolidated loss runs across carriers and years, broken down by facility, cause, and severity, so you can see what's actually driving your losses.
Incident Reporting Protocols
Early, consistent documentation protects your facility. We help you set up reporting protocols and provide the templates to run them.
Alternative Risk Options
For facilities with the scale and loss history to support it, we evaluate captives, RRGs, and higher-retention programs against your guaranteed-cost options.
Resources
Tools your team can use today
Incident Reporting Templates
Standardized forms for documenting resident incidents promptly and completely.
Go to DownloadsClaims Kits
Step-by-step guides for reporting a claim, including what to gather before you call.
Go to DownloadsWant a second look at your losses?
Send us your loss runs and current mod worksheet. We'll tell you what we see, no strings attached.