(Editor’s Note: American Risk Managers (ARM) Founder Walter Haney, Sr., was asked to pen this open letter to a prospect.)
Risk Services—You know you are probably paying too much for your insurance, and you’re not sure you are correctly insured. You ask your agent and he tells you the price is right; the coverage is more than adequate.
And then it dawns on you—he designed the program and he is compensated by payment of a portion of the gross premium.
One thing you readily know is the higher the premium, the larger the portion. Lack of coverage… you will discover when you find yourself with an uninsured or a significantly-underinsured loss.
You need someone to design and secure coverage at adequate limits and at a competitive price. You advisor must not have a pecuniary interest. You need an Independent Consulting Risk Manager. I am a 41-year-veteran of this field. And I will be happy to go to work for you.
Walter Haney Sr.
I will need to get to know you and your operation. I will need to spend some time going through your assets, your claims, your sales and your future plans. I will need to check your insurance policies; looking closely at pricing, coverages, and exclusions. I will need to make notes of lack of coverage.
Once I have assembled this information, I will draw bid specifications to provide the needed protection. I will then look for brokers/agents who have service capabilities to service the account at the most competitive pricing in today’s market. In addition, I am going to reduce management worktime for this project by 85% to 90%.
And I normally reduce your premium pricing by 25% to 35%. Based on this, I think you will agree—I can help you.
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