• Risk Identification: First we analyze the exposures facing your organization.

  • Risk Analysis: We perform an examination of exposures vs. historical loss data, with the goal of identifying patterns, loss drivers, and causes of losses.

  • Risk Control: During this stage we introduce specific strategies to avoid, prevent, and reduce exposure to loss.

  • Involve Underwriters: Unlike most insurance brokers who get underwriters involved first, we introduce underwriters that understand your business later in the insurance placement process. By thoroughly understanding your exposures we obtain improved negotiations of your insurance program for your financial benefit.

  • Risk Financing: One of the final stages of our process involves reviewing options for risk retention and transfer of risk.

  • Risk Administration: We conduct ongoing evaluation of your program to make sure it remains aligned with your changing needs. 

© 2013  LCL Insurance



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