Archives for April 2019

RISK SOLUTIONS—The saying, “If it sounds too good to be true, it probably is,” does turn out to be correct in many instances. However, sometimes—as with all sayings—the opposite can be true.

Sometimes, something that sounds good IS good.

Author Richard Carlson agrees with me on this one. He added to this quote by saying, “In fact, the suspicion, cynicism, and doubt that are inherent in this belief can and does keep people from taking advantage of excellent opportunities.”

(Carlson wrote “Don’t Worry, Make Money: Spiritual and Practical Ways to Create Abundance and More Fun in Your Life.”)

But why am I talking about this quote?

Because I work for a firm that offers services that sound too good to be true.

I work for an Independent Risk Management Company that has a track record of saving its clients 25-35% on Property & Casualty Insurance.

So, my answer for you on “How To Save 25-35% on YOUR Commercial Insurance” is “Get a Risk Manager.” Or even better, “Hire us!”

My bosses like to keep that 25-35% percent figure AS a percentage. But to me, when I see 25%, I see a fraction. I see these savings as cutting at least ¼ of your business insurance cost!!

One-fourth is A LOT to me.

And when you realize that insurance of this type is usually the third-largest expense that your business has (after payroll and supplies), saving 25% or more makes a HUGE difference.

We’re talking thousands and hundreds of thousands of dollars. And for one company, my bosses even saved approximately $1.4 million in premiums!

Of course, results will vary depending on what type of company you have and the services or products you produce, but here are a few examples:

BUT… How Do They Do This?

How do Risk Managers save clients such amazing percentages on their Commercial Insurance costs?

Risk Managers reduce rates and premiums by:

• Reviewing your coverages to detect gaps and overlaps;
• Checking for accurate limits and adequate deductibles;
• Designing an insurance program JUST for your company;
• Creating bid specifications tailored to match your needs; and
• Bidding out your account to multiple brokers for the best value.

PLUS, there are many other Risk Management Services where additional savings can also be found, such as your Workers’ Compensation Program.

AND, for even more Commercial Insurance savings tips from our staff, see “Renewal Reductions: How To Get Lower Insurance Rates & Premiums.”

Take The First Step Toward Savings

Our Risk Managers have room to take on a few clients right now. Should you be among them?

Why not take advantage of our Free Cost Benefit Survey to find out how much savings you could expect. That’s a good first step!

Risk Managers are experts in the fields of risk and insurance—and you can take advantage of their expertise to help your business save money. Our Risk Managers are always going to find enough savings to more than cover their fees, so you’re assured a return on your investment.

My bosses compare themselves to companies using lawyers in court and accountants for tax needs. I’ll add two more examples. Do you cut your own hair or do you go to a cosmetologist? How about your car? Maybe you fix it yourself, but most probably you use a mechanic.

Why would you NOT want to get someone involved in helping your company who specializes in helping companies just like yours? And Risk Managers don’t just help companies save money—they ensure that their clients are protected from all types of risk, so they can focus on business.

YOUR Advocate In The Insurance Marketplace

There are some business insurance coverages you might not fully understand. And there are important coverages you may not have yet. Risk Managers work in the Insurance Marketplace every day. They understand the multitudes of coverages and can match the right policies to your unique business needs.

My bosses are available to discuss any of your concerns prior to the No-Obligation Cost Benefit Survey. So, feel free to reach out to us via email (advisor@amerisk.org) or phone (800-548-0117 or 205-921-9029).

Our Risk Managers ENJOY acting as advocates for their clients. American Risk Managers was actually founded on the idea that companies need someone “sitting on their side of the table” during insurance negotiations.

We’ve even designed our website to provide you with information about Risk Management processes and Common Risk Management Issues.

If you have a medium to large-sized company, you REALLY do need a Risk Manager. They can save you lots of time, lots of worry and lots of money! And the most cost-effective way to do so is by using a consultant like us. Only truly “independent” firms can offer completely unbiased advice.

We would love to help you out if your business is located in any of the five states we serve—but if you choose a competitor that’s okay, too. We just have your best interests at heart. Why shouldn’t you have less risk and more savings?

Sometimes things that sound too good to be true turn out to “really be true.” Like how Risk Management (that you didn’t even realize you needed before) can turn out to save you thousands of dollars in Business Insurance costs.

What’s YOUR Possible Business Savings Percentage?

 American Risk Managers
Risk Management That Pays for Itself in Lower Premiums
www.Amerisk.org  1 (800) 548-0117  Advisor@Amerisk.org
Serving Alabama, Mississippi, Tennessee, Louisiana & Arkansas

 

(Photo Credit: Pixabay)