Commercial Insurance & Risk Management by Henriott + HGI Solutions

Client Focused. Results Driven.

Group

Commercial Insurance & Risk Management

insurance

risk management

employee benefits

Client Focused. Results Driven.

Group

Commercial Insurance & Risk Management

Introduction

Our Mission... Today’s economic climate is as challenging as ever and requires all of your attention. That’s where we come in. Our job is simply stated — to help your organization lower its long-term cost of risk by partnering with you to manage the often overlooked, but potentially very costly, areas of insurance and risk management. To accomplish our goal, we start by using a sound strategy—supported by proactive and professional service—and backed up by a written plan of execution. Your Henriott team will work with you to incorporate sound risk management practices with the purchase of insurance to provide the protection your organization needs now and in the future.

Client Focused. Results Driven. Our tagline says it all…our focus is on the unique, everchanging needs of our clients. Once we understand your needs and concerns, our attention turns to delivering the results you expect. “We believe long-term relationships, built on trust, openness and competency, are critical to reducing waste and delivering a superior product. The Henriott Group has been our risk management partner for more than 30 years, largely because they work with us to assess our future needs, help us better avoid risk and improve our claims management.” - Barry, CEO

Commercial Insurance & Risk Management

Strategy

Organizations of all sizes and varieties face exposures to loss that can have a crippling effect on the organization and its ability to fulfill its mission. Most organizations do not have the internal risk management resources or time to focus on this critical area of the business. That’s where we come in. Our Milestone insurance and risk management program ensures that you have an experienced and professional partner working as your advocate to help identify, quantify and address potential areas of loss before they occur.

Collaboration To be effective, we want to become part of your team. We need to understand your business, your concerns….what keeps you up at night. You want a risk management partner that can help you anticipate future risks, not just place insurance for today’s needs. “We rely on Henriott Group to provide ideas, ask probing questions and challenge us to improve our risk management program. Frankly, before we worked with Henriott Group, we didn’t use the term risk management. Since then, we have broadened our view beyond the insurance program and, as a result, feel like we have a better handle on our risks and our response to those risks should they occur. We couldn’t do this if Henriott Group wasn’t engaged in our business.” - Howie, CFO

Commercial Insurance & Risk Management

Service

If you’re like most of our clients, your organization could use fewer vendors and more partners committed to helping you succeed. That’s where we come in. At Henriott, we believe service means more than returning phone calls and issuing certificates of insurance. Our Milestone insurance and risk management program is customized to our clients’ needs and focuses on one thing — improving our clients’ profitability by minimizing their long-term cost of risk.

Knowledge & Expertise We can have a great strategy and know your business inside and out, but without a team of professionals on staff to respond immediately to your questions and concerns, proactively bring ideas to the table and advocate on your behalf…well, how much is that strategy really worth? “Without a doubt, our relationship with Henriott has been very beneficial. Not only do we know we're getting excellent insurance coverage - and adequate coverage, especially compared to how underinsured we were previously - but we are getting valuable updates and answers to daily questions as we need them. Everyone we've worked with has been friendly, helpful and very professional.” - Jan, City Mayor

Commercial Insurance & Risk Management

Execution

It’s easy for consultants to over-promise and under-deliver. But you deserve more. That’s where we come in. We back up our promises by our Milestone Service Timeline, a service contract that we develop with your collaboration to establish and measure our mutual commitments and priorities. Our annual stewardship report will allow you to objectively evaluate our performance and make sure we are “earning our keep.”

Accountability Promises, promises. How many times have you met with brokers or other consultants and they all say and promise the same thing, only to fall short of those expectations once they win your business? We created the Milestone Service Timeline, a system-driven project management tool, to keep us on task and accountable for our promises to you.

“We were excited to see Henriott Group develop the Milestone concept. It sounds simple, but it’s rare in our experience to have such transparency and collaboration with an outside consultant to make sure we’re making progress on the important risk management projects on our plate.” – John, CFO

Commercial Insurance & Risk Management

Solutions

Risk Management ∙ Exposure analysis

∙ Risk transfer

∙ Best practice audits

∙ Contract review

∙ OSHA/regulatory compliance reviews

∙ Benchmarking

∙ Risk financing alternatives

∙ Coverage gap analysis

∙ Cost of risk analysis

∙ Experience modification audit & forecasting

∙ Loss control and safety

∙ Disaster planning

Commercial Insurance

Property

∙ Business interruption/extra expense

∙ Flood & earthquake

∙ Inland marine

∙ Builder’s risk

∙ Electronic data processing

∙ Equipment breakdown

∙ Utility interruption

∙ Cargo/transit

Commercial Insurance

Casualty

∙ General/product liability

∙ Manufacturer’s errors and omissions

∙ Professional liability

∙ Umbrella/excess liability

∙ Workers compensation

∙ Pollution/environmental

∙ Commercial auto

∙ Product recall

∙ Executive protection including

∙ Cyber liability

directors and officers, employment

∙ Foreign exposures

practices, fiduciary, crime, kidnap/ransom

Commercial Insurance

Surety

∙ License and permit bonds

∙ Performance bonds

∙ Public official’s bonds

∙ Fidelity bonds

∙ Motor vehicle bonds

∙ Bid bonds

Your Trusted Advisor.

800.382.7875 info@henriott.com www.henriott.com 8 North Third Street, Suite 101 Lafayette, IN 47901

Client Focused. Results Driven.

Group