David R. Carothers, CIC, CRM

Will,

While I have no direct experience with the firm mentioned above, I did peruse their website and it looks like they have a quality product specifically designed for your occupation. More importantly, they hit all of the correct key buzz words that I mentioned above in terms of contract review and a more traditional risk management approach…[Read more]

I negotiate directly with the underwriters because I have the ability to tell the client’s story. More importantly, I have a bucket of premiums with each underwriter that I can use to leverage if need be. I apologize for the typos in the last response, by the way. My computer is skipping characters for some reason and I didn’t catch everything. I…[Read more]

Risk Managers and Lawyers read contracts differently. A lawyer looks at a contract to make sure you are protected and the contract is legal. I look at the contracts to make sure that the nuances are in the contract that will save you money on the placement of the insurance product. I guess the gest way to describe it is that risk management…[Read more]

Also, professional liability policies/errors and omissions poolicies work the same regardless of inustry. There may be a nuance here or there that is differenct, but regardless of occupation, the above comments are safe and applicable.

Let me put a quick disclaimer on this. I am not a transactional insurance agent. I am a risk management consultant that works with technology and life sciences companies of all shapes and sizes. I have the ability to place insurance, but our goal is to educate our clients to make sound business decisions and transfer as much risk as possible which…[Read more]