Business & Governmental Insurance Agency

Risk Management Services

In our increasingly litigious society, employer liability and workers' compensation expenses have become one of the largest controllable expenses in a Public Entity's budget. A well-planned and implemented risk management strategy is paramount to reduce exposure and contain cost.

Drawing on its considerable expertise, BGIA provides a full spectrum of risk management services, ranging from thorough analysis of exposure, through design and implementation of a complete risk management program tailored to the Public Entity's safety and cost concerns and desired levels of acceptable risk. Our analysis helps our clients make more informed decisions about both their coverage and their loss control program needs. Our design and implementation services help them realize their goals in a timely and cost-efficient manner.

A sample of a typical BGIA risk management engagement, including specific project deliverables that the client can expect may include:

• A custom analysis of client's loss history in the areas of:
• Property
• Medical
• General Liability
• Auto
• Professional Liability
• Workers' Compensation
• A custom report including a thorough evaluation of the client's current program, recognizing existing efforts of special note and making recommendations in the areas of:
• Loss Control Programs
• Loss Control Managment
• Automobile Loss Control
• Fire Department Loss Control
• Law Enforcement Loss Control
• Park and Recreation Loss Control
• Public Works Loss Control
• School Facility Loss Control
• Drafting and assistance in finalizing a Government or School Board Leaders' Loss Control Policy Statement
• Drafting and assistance in finalizing a Safety Statement detailing:
• Management participation
• Department-level Officials' Statement of Safety Policy
• Safety Coordinator responsibility
• Employee responsibility
• Safety rules and regulations
• Safety inspection programs
• Outside contractor safety inspection program
• Safety Training Manual
• First aid program
• Accident investigation report and procedure
• Drafting and assistance in finalizing a Safety Orientation checklist