insurance services

Risk Management

Jenkins Athens Insurance Services’ commercial property and casualty insurance specialists are technical experts who can help you identify, evaluate, reduce and manage risk throughout your business.

Our in-depth knowledge and experience can help you:

• Mitigate exposure and total cost of risk

• Determine if you are properly insured or if other risk management techniques would be more cost effective

• Identify and analyze your exposure to loss

• Develop a total risk management strategy
• Design a comprehensive program that will meet your present and future needs

We manage accounts proactively, providing assistance in our clients’ decision-making process and helping determine the best methods for managing risk. How do we accomplish this? We:

• Meet with you to establish roles and service expectations
• Annually update your pertinent account information
• Conduct annual in-person reviews of your current program and discussion of other potential risk areas
• Frequently communicate with you to determine potential changes in your operations

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Property/Casualty Claims Management

We provide our insured clients with an integrated claims management service as part of our insurance brokering and risk management operations. By combining these disciplines, we create a cohesive approach to respond to client exposure and management of risk.

Our overall claims management service offers you the opportunity to transfer the handling, negotiation and control of your claims to dedicated professionals. We:

• Assist in completing the necessary paperwork
• Follow-up regularly with carriers
• Intercede in coverage issues
• Communicate our insured’s needs to the carrier
• Oversee the entire claim process

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Safety and Loss Protection

Jenkins Athens works with you to develop safety and loss prevention programs that prevent accidents or reduce their frequency and severity. Our affiliated licensed engineers can design and administer a program that will be responsive to your special needs. They identify, evaluate, and help mitigate all operational risks. They will:

• Inspect your premises
• Provide safety recommendations
• Create management incentive programs
• Provide literature on safety and legal requirements

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Unique Advantage —
Workers’ Compensation Claims Monitoring

At Jenkins Athens Insurance Services, we understand that many corporate decision makers are looking to minimize risk, while improving their competitive advantage over the competition.

Products, service, and technical expertise are the key components to managing your Workers’ Compensation costs and risk.

By selecting Unique Advantage, our consultants can help you choose the appropriate risk service option. These options include such services as:

• Unit stat workers’ compensation review
• Regular loss runs
• Troubleshooting claim issues on clients’ behalf
• Workers’ Compensation – 101 Training
• Quarterly updates for all open claims
• Monthly loss run analysis on the current policy
• Annual stewardship meeting
• Aid in setting up special instructions with the carrier
• Activity check/surveillance services
• Settlement analysis

These options are just a part of your potential risk solutions strategy. At Jenkins Athens Insurance Services, our consultants will help you align your risk service needs with your corporate financial structure. Our team is dedicated to focusing on a risk strategy aligned to your particular business needs.

For further information or to schedule an appointment with one of our risk consultants, please contact: Jill Augustine, Account Executive, 925-822-9023, jaugustine@jenkinsathens.com.

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Certificate Programs

In today’s business environment, issuing certificates has become one of Jenkins Athens Insurance Services’ most important services. As part of our high level of service, we have staff members who focus on the various needs of certificate holders. Our services include:

• Same-day issuance of certificates, including faxing as needed
• Renewal certificate issuance prior to your renewal date
• Annual review of certificate holders with you

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Education

As part of our ongoing services to clients, we offer educational Workshops to help you keep up on the fast-changing world of insurance. Two of our current offerings:

The Asset Protection Workshop is your opportunity to begin creating your vision of how you’re going to manage your risk and achieve your strategic goals.

• The Asset Protection Workshop

Take control of your Workers’ Compensation Costs — Rapidly rising costs are threatening businesses’ survival, and companies are being forced into short-term decisions at every Workers’ Comp renewal. Jenkins Athens has created the California Workers’ Compensation Workshop to help you navigate the complex Workers’ Comp world.

• The Workers’ Compensation Workshop: RX for Survival
• Workers’ Compensation 101
• Demystifying Workers' Compensation Loss Sensitive & Alternative Risk Programs

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Contract and Lease Review

We review the indemnification and insurance language in your existing leases and contracts, assist in the development of these documents, and provide advice on appropriate language. We look for:

• The scope of the indemnification and hold-harmless language
• Requirements for waivers of subrogation on property, liability and Workers’ Compensation
• Appropriateness of insurance requirements
• Various requirements to help minimize your risk

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Management/Professional Liability

Jenkins Athens has the only dedicated Management/Professional Liability team in our region. Our services include:

• Risk management analysis of your coverage needs and current insurance program
• Selection of carriers committed to your business segment
• Policy design tailored to your special needs
• Careful management of claims; our close relationships with monitoring and defense counsel are an asset
• IPO planning/timeline for Directors & Officers Liability coverage
• Meetings between clients and underwriters when appropriate
• In-house underwriting for special programs
• Market specialization in these areas of Professional Liability:
  - Directors & Officers Liability
  - Employment Practices Liability
  - Technology, Media and Internet Coverage
  - Fiduciary Liability
  - Medical Malpractice

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Bonding and Surety Services

Our surety department works with you to develop an appropriate bond program. As part of our high level of service, we:

• Develop solutions and programs to simplify the surety process
• Evaluate surety companies for
• Consistency in underwriting, capacity, ratings and stability
• Rate economy
• Present your account effectively to surety markets
• Establish a communication format for bond requests
• Review bond requests for appropriateness and issue bonds promptly and correctly
• Review contracts and obligees/owners for payment ability
• Review outstanding bonds as required