Our staff includes a dedicated resource for researching new insurance markets and for building positive, cooperative relationships with the carriers that we select. We analyze insurance carriers based on the following factors:

Financial Rating

• Are they strong enough financially to compete in the aggressive California insurance market?

Business Targets

• Are they looking for small businesses, or large ones?
  
  
• Do they market primarily to niche markets and association businesses?
  
  
• Are they seeking high experience modification businesses, or those with low modifications?
  
  
• Do they prefer single location entities, or are they geared toward employers (such as distributors and contractors) who work in a wide variety of locations?

Loss Control Servicing

• Do they staff their department with adequate knowledgeable loss control representatives in order to provide a consistently high standard of service?
  
  
• Under open rating, most carriers have reduced loss control to mere lip service; can they provide testing services, such as air and audiometric?

Claims Servicing

How do they process claims?

• Do they assign one claims representative per client, or do they "pool" claims?
  
  
• Are they set up primarily for severity claims, or do they focus on bulk frequency claims?

Premium Structure

• Can the carrier adapt to the changing market?
  
  
• Do they have the capacity to allow premium discounts for above-average businesses?

24-hour telephone: 916.443.0200
Fax #: 916.443.0251
info@owendunn.com
2831 G Street, Suite 200
Sacramento, CA 95816

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