RISK MANAGEMENT
SERVICES PHILOSOPHY
A PEOPLE PRACTICE
At Apiar, risk management is a people practice. When we put our people process into practice, it becomes a dynamic framework of engagements between our risk management team and key players within your organization.
Relationship Building
The process begins when we get to know you, your team, and your organization. How does your business differentiate itself? What are your insurance pain points? How can we structure your risk management portfolio to positively impact your business ecosystem?
Relationship Management
We want to be your risk management partners for the long term. We want to earn a seat at your table as a trusted advisor and drive value. This takes time, commitment and accountability.
CLAIM LIAISON CHAMPION
SUPPORT WHEN YOU NEED IT MOST
Enterprise commercial clients benefit from our wealth of experience helping customers navigate through loss runs, claims, and reserve management. Our risk management services extend to assigning accounts a claims liaison who will serve as an intermediary between our enterprise client and their carrier, often facilitating quarterly loss reporting and working with the carrier to provide off and on-site claim mitigation services.
Our claim liaison champions have spent years in the claim’s arena working alongside insureds, claimants and carriers. They are equipped with the knowledge and claims best practice which means, you benefit from our ability to facilitate a healthy partnership between your carrier and your business operations.
WORKERS’ COMPENSATION
MAKING WORKERS’ COMPENSATION
WORK FOR YOU
As a business owner, does your workers’ compensation program work for you? The entire workers’ compensation system is inherently inflationary. In other words, the players within the system make more money when it costs the employer more money.
The good news is, you can take back control.
We have a strategic partnership with an organization who has a one of-a-kind program that guarantees a 100% ROI and we have seen clients save up to 50% on their workers’ compensation premiums.
Introducing workers’ compensation process outsourcing with the express intention to bring your workers’ compensation E-MOD down to the minimum, and to keep it there. This proprietary method encompasses two components.
1. Claim Engineering which is designed to create a claim management structure that mitigates the financial impact of the claim.
2. Data Management which evaluates, reviews and/or corrects current and past claims for errors related to missing data or incorrectly reported data as it relates to your workers’ compensation program.
COMPLIMENTARY FORENSIC ANALYSIS
The best way for a business employer to see how this system works is to ask our team for a complimentary forensic analysis. This analysis is based on your own experience and will tell you, the business owner, the impact of this program on future costs.
CONTACT US
If we look different, it is because we are different. We are trailblazers. We believe in brains before bureaucracy. As an idea company, our mission is to disrupt the big box model by tearing down old-school insurance paradigms.