Risk Reduction Approach

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Our Risk Reduction Approach is a unique process, the purpose of which is the creation of a Plan to control and reduce your total cost of risk and make your company more attractive to the insurance marketplace. This process results in lower administrative costs, higher employee morale, and improved profitability. When we discuss Total Cost of Risk, we mean those risks that you are paying for now or have the potential of paying in the future. Examples include:

• Unexpected out-of-pocket deductible expenses
• Time and money spent performing the duties of an injured worker
• Loss of income due to a vehicle taken off the road following an accident
• All the issues dealing with relocation costs incurred after damage to your building
• Fines and frustrations from regulatory authorities
• The time and hassle spent dealing with claims adjusters and attorneys

All of these costs can be reduced or eliminated with our Risk Reduction Plan. In addition, our Process will result in your company becoming more attractive to the insurance marketplace, which directly results in lower insurance premiums.

Our Approach:

1) Discover
We continually take a fresh, in-depth look at your situation. Unlike many brokers, we don’t just build on your existing program, we start from square one. A thorough, complete review of the company is the ideal way to discover potential risks to our clients.

2) Design
The discovery phase uncovers the information necessary to create a custom program for your business. This program will be designed to manage the risks your business may encounter.

3) Implement
Rue executes a plan of action tailored to your business. When followed throughout the year, this plan allows for an efficient approach to meeting defined goals and deadlines relevant to your company’s success.

4) Monitor
Rue will refine the plan of action on a regular basis.

Our continued involvement and interest in your business' success displays our dedication to building a long-term relationship with you as our client. Too often, we find that mistakes and coverage gaps are perpetuated due to lack of communication and review. Our process ensures that our clients are Ready should an incident occur.