We adjust property and casualty claims with an emphasis on cost reduction; specifically in the areas of mitigation, quality, and prevention.

1. Mitigation. Mitigation describes strategies that are designed to reduce the cost of settling claims that have already occurred. We consider ourselves mitigation experts. We use all of the tools prevalent in the claim industry, like subrogation/salvage, medical networks, and estimating services. In addition, we use a formal set of red-flags to identify seemingly innocuous claims that history tells us have the potential to be significant. We assign these claims to seasoned adjusters or ear-mark them for additional supervision.
2. Quality. Our approach ensures that our adjusters know their claims, their subjects and their clients inside and out.
   Here's why:
   1. Claim Pendings. We carefully monitor caseloads so our adjusters have the time to investigate their claims and to advance them to prompt resolution. As a result, we can keep our backlog of pending claims at low levels. This ensures adjusters know their claims.
   2. Education. We invest in our employees' professional development. We encourage employees to pursue professional insurance certifications and we reward passing examination results. This ensures adjusters know their subjects.
   3. Turnover. Low employee turnover is the payoff for low claim pendings and professional development. For the client, that means familiar faces and institutional memory that make our services feel like an extension of the client's own organization. This ensures adjusters know their clients.
3. Prevention. We investigate every claim to determine the root cause of loss. Then we work with our client to come up with a solution. An unsafe practice might call for retraining or a new way of doing things. A fall hazard might require better lighting, warning signs, or installing handrails.

Our cost reduction strategies are rooted in a long standing ability to customize our services. We believe that no two clients are the same; and, in fact, many bring unique insight to into the claims handling process itself and the risk management needs of their organization. By customizing, we give our clients what they want.

However, the real benefit of customization is integration. From the outside looking in, we look like an indistinguishable part of the whole client organization. This element is what enables us to be successful change agents.

Integration, which is only possible from customization, is the "secret sauce" that allows us to successfully reduce cost.

We reduce cost by adjusting claims with a focus on Mitigation, Quality, and Prevention.

In fact, we show our clients the value we create by using the methodologies outlined below:

1. Mitigation. We reduce the cost of claims that have already happened. How? By totaling the savings generated from adjuster controlled mitigation activities. These add up. We measure this impact by totaling the mitigation savings.
2. Quality. We outperform industry benchmarks when it comes to the quality of our claims adjusting and the caseloads for our adjusters. This translates into savings for our clients. According to the International Risk Management Institute (IRMI), high quality TPAs reduce loss costs by at least 10%. Here's how we measure this impact:
   1. Satisfaction Surveys. We ask our clients to rate their satisfaction with first party claims and the results yield a customer loyalty metric known as the "Net Promoter ScoreTM." The Net Promoter Score is used by more than two thirds of Fortune 1000 companies. https://en.wikipedia.org/wiki/Net_Promoter
      
      An NPS above 50 percent is considered "excellent." What does it mean for a client when we beat that benchmark? High quality claims adjusting, which means lower first party loss costs. We measure this impact by totaling 10% of the first party claims paid while the client's NPS was over 50%.
   2. Caseload. According to PropertyCasualty360, the greatest determinant on quality is caseload. It impacts file quality, staff morale and cost containment. So we set low caseload benchmarks. What does it mean for a client when we beat that benchmark? High quality claims adjusting, which means lower third party loss costs. We measure this impact by totaling 10% of the third party claims paid while our client's case load was at or below benchmark.
3. Prevention. Everything we learn from investigating a claim goes into preventing the next one. We'll help you identify the hazards or unsafe practices that lead to losses. We will then monitor the condition until it is resolved (fixed or not). Then we'll show you, in dollars-and-cents terms, the savings from steps taken to keep a claim from happening again. We measure this impact by totaling the cost of the claims that have been prevented.

The sum of these savings shows our clients the value we have created, which we used to calculate our clients' return on investment.

1. Mitigation. In addition to reducing cost using industry standard techniques, we also use our own red-flags to identify difficult claims up-front, which we use as a form of predictive modeling. These claims are referred to experienced adjusters for handling or ear-marked for additional supervision.
2. Quality. We have a rigorous employee selection criteria. We screen all employees for their intellectual ability, attention to detail and honesty. We support our staff with low caseloads, which allows them to be great, and with the feedback of client satisfaction surveys.
3. Prevention. We adjust claims while reducing the cost of not only the claims in hand, but also on the claims that haven't happened yet.