Do you know if you are at risk of a claim denial? Are you overinsured and spending too much? Do you read the fine print on your policies? We Can Help CF Risk Management provides outsourced risk and insurance management services to business owners, CEOs and CFOs that are committed to aggressively managing their cost of risk and maximizing the value of their insurance expenditures. Our clients value decreasing insurance premiums, being neither over nor under insured, having confidence there will be no surprises when claims are reported and an unbiased risk and insurance advisor who understands their business and whose interests are strictly aligned with their own. What needs do we address? Today's business owner, CFO and CEO is challenged on all fronts to deliver bottom line performance with a reduced team in a difficult market and economy. Internal insurance knowledge is limited and resources devoted to the purchasing process and program administration are stretched thin. This typically leads to a focus on competitive "apples to apples" insurance bidding which often results in premium savings but lacks focus on coverage needs and details. This can result in an incomplete understanding of what is and is not covered, inappropriate expenditure of premium dollars and an increased risk of uncovered losses which could wipe out years of premium reductions. CF Risk Management adds value by bringing new ideas and solutions to the table. I have an insurance agent/broker, why do I need a consultant? Insurance agents and brokers provide access to insurers with whom they have production contracts. They are the distribution arm of the insurance industry and with limited exception, are paid a percentage of your premium dollar as a sales commission from the insurer. While some provide assistance in the risk management process, their focus is increasingly on new sales and profitability and less on existing client support. In contrast, CF Risk Management has only one mission, to assist, guide and support business owners, CEOs and CFOs by improving the value of their insurance purchases and reducing their total cost of risk. Our only compensation is from fees paid by clients with whom our interests are strictly aligned. How can CF Risk Management save me money? Our audits find premium savings by identifying high cost, low value coverages that can be modified or eliminated and make cost effective recommendations for uncovered exposures that could impact the bottom line. Our bid specifications are tailored to your current exposures and provide quoting insurers with the information they need to deliver their most competitive pricing.