Services
Brokerage Services Available
Insurance Program Review
A complete and thorough review of your insurance program and how it relates to your unique exposures.
Risk Management Consulting
Identification of the exposures inherent to your operations and options to minimize and eliminate the risks.
Claims Review/Adverse Loss Strategy
An in-depth review of your claims history and claim reserving practices. If necessary, development of a strategy to reduce reserves or close “open” claims that adversely affect current premiums.
Experience Modification Review
A complete review of your workers’ compensation experience modification factor. If warranted, development of a strategy to reduce the factor.
Coverage Placement and Review
A complete navigation of the insurance transaction from the initial interview to coverage placement.
Business Income Coverage Analysis
A complete review of your financial exposure in the event of a physical loss.
Contract Review (Lease, Subcontractor Agreements, Etc.)
Review of contracts that affect or are affected by your insurance coverage.*
Personal Insurance Program Review
A complete and thorough review of your personal insurance needs.
Employee Benefits Analysis
Analysis of the benefits (e.g. health insurance, dental insurance, etc.) that may be available to your employees.
Professional Services Available
Self-insured Program Development and Management
Feasibility analysis and development of self insured programs where appropriate.
OSHA Compliance
A review of your OSHA procedures and recommendations to keep you in compliance.
Safety Incentive Programs
Development of programs to incentivize your employees to maintain a safe work environment, helping control your organization’s insurance costs.
Loss Control and Safety Inspections
On-site inspections to identify possible loss exposures and solutions to contain or eliminate the risks.
Employment Practices Analysis
A review of your employment practices procedures (interviewing, hiring, personnel reviews, etc.) and advice to minimize your exposure, if warranted.
Environmental Exposure Analysis
Analysis of your exposure to environmental hazards such as pollution and hazardous materials, and your liability to environmental hazards that might be created through operation of your business.
Disaster Recovery Program
Development of a program to get your company back to its pre-loss operating capacity in the event of a catastrophic disaster.
Human Resources Assistance/Consulting
Assistance and consulting for employee management issues, including employment practices.
Earthquake Severity Analysis
Analysis of your physical exposure related to earthquake loss such as fault line proximity.
ERISA 401c Compliance
Analysis of your ERISA program and recommendations for compliance issues, if warranted.
Buy-Sell Risk Analysis
An analysis of the insurance issues related to company perpetuation.
Merger & Acquisition Review
An analysis of the unique insurance issues related to merging with other concerns or making acquisitions.
Directors & Officers Limit Analysis
Analysis of the exposures faced by directors and officers of your company and solutions to insure the risk generated by their decisions and actions.
ESOP Feasibility Analysis
A review of the feasibility of offering a Employee Stock Ownership Program.
The professional services listed herein are provided on a negotiated fee basis and may involve our firm's Strategic Partners.
*Navion Insurance Associates, Inc. is not a law firm. We recommend that you have a licensed attorney review all contract issues to offer professional legal advice.