Risk Management

Is It Time to Revisit Your Risks? (Be Honest)

Hey, we get it – the myriad risks your company is exposed to may not be an enjoyable topic to explore. But the difficult conversations are critical, the smart coverages that come out of them can prevent disaster, and the transformative effects for your company can be profound. Sound a bit dramatic? It should. Because insurance is about drama – it’s about preventing it.

Property & Casualty Risk Management Services

Claims Management

M3 does anything but sit back and let the claims process take care of itself. We work as your claims advocate, proactively facilitating the necessary steps, examining policy details to maximize your payout, and acting as an extension of your HR department. We provide a range of services, including the following:

  • Ongoing management of your claims, from the initial intake and processing to an agreed-upon settlement
  • Pre- and post-loss strategies
  • Guidance through a proven process to ensure claims are settled quickly and accurately – securing the best possible outcome for your business
  • Evaluation and management of reserves
  • In-house technical support and expertise
  • Strategies to manage litigated claims
  • Assistance with catastrophic claims, including catastrophic incident investigation
  • Reserve management
  • Service/claim reviews

Data Analytics

M3 examines the data behind the rates to provide a qualified assessment of the programs and identify potential savings opportunities. We highlight and summarize the data most indicative of plan performance. Just as important, we present it in a format that’s easy to understand and use, helping you convert the information into meaningful change.

  • Advanced analytics and modeling
  • Industry benchmarking
  • Loss forecasting
  • Mod projection and verification

Loss Control and Prevention

M3 helps you manage the health, safety, and environmental risks your business faces – before there’s a problem. We sit down and talk with you so we can understand your business, your interests, and your risks. From there we empower you to successfully manage your exposures and provide risk management solutions that can help your business continue to prosper.

  • Workers’ compensation programs
  • In-house risk managers and safety consultants
  • Risk assessment/risk control audits
  • Site surveys
  • Regulatory & OSHA training & compliance
  • Loss analysis
  • Training programs, e.g., return-to-work programs, drug and alcohol testing
  • Ergonomic planning and evaluations
  • Safety & environmental program development & best practices
  • OSHA compliance consultations
  • Business continuity planning

Legal & Compliance

M3’s Compliance Attorney is dedicated to keeping you informed about state and federal laws that affect your business. We can provide you with: