Your human resources are likely your largest recurring expense but insurance costs are typically the #2 expense for service oriented companies and the third largest expense for retail and manufacturing businesses.  Not surprisingly, most of your insurance costs are directly related to your other two major expenses -> your people and your products.  So often, we hear that high insurance claims and costs are just a part of doing business.  Costs associated with claims for workers compensation, liability and unfair employment practices can often be avoided.  They are not just “a part of doing business” but they can drive you out of business.  Allow us to share with you our risk abatement techniques which can significantly reduce the frequency of your insurance claims and add profit back to your bottom line.  We also have professionals that can assist owners with creating passive deferred investment income from their self-funded corporate insurance programs.