Cowell Insurance Group

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I.   Alternate Risk Funding Method Evaluations:

A. Risk Retention Groups

B. Risk Purchasing Groups

C. Wholly Owned Captives - Domestic and Foreign

D. Association Captives

E. Rent-a-Captive

F. Self Insured Retention

• With a Front Carrier(s)

• Without a Front Carrier(s)

G. Retrospective Rated

• Incurred Loss

• Paid Loss

II.  Risk Analysis Evaluation

A. Exposure to Loss Identification

B. Evaluation of Viable Alternatives to Handle

• Insurance/Transfer of Risk

• Avoidance

• Reduce Exposure/Loss Control

• Assumption/Deductibles and/or Retentions

III. Technical Evaluations:

A. Insurance Company Audit Verifications

• Workers Compensation

• General Liability

• Auto and Garage Liability

• Umbrella/Excess Liability

• Property Value Report Audits

B. Retrospective Adjustments

• Verification of Current Adjustments

• Adjustment Forecasts  (i.e., estimating subsequent adjustments financial impact)

C. Workers Compensation Experience Modification Reports

• Verification of Current Experience Modification

• Experience Modification Forecasts (i.e., estimating subsequent modifications to assess financial impact on W. C. premium)

D. Loss Experience Analysis

• Current Incurred Loss Status

• Loss Development Forecasting

• Forecasting expected losses and evaluating the impact on cost of current and future insurance programs.

E. Claims Reserve Analysis and Claims Handling and Efficiency Status

IV.  Insurance Program Evaluation

A. Coverage and Program Design Analysis

B. Exclusion Analysis (Gaps in Coverage)

C. Cost Analysis Including

• Premium Costs

• Administrative Costs

• Indirect Claims Costs

• Deductible/Self-Insured Retention Costs