Why stress over TRYING to save a few points on the line item of insurance when you can focus on managing your TOTAL cost of risk. We use innovative techniques to help businesses improve safety, reduce risk, reduce losses, and as a result their insurance premiums. We originally met with Metropolitan Risk because our workers comp costs had significantly increased.
They told us we needed to proactively manage our risk and claims, and we agreed. We were confident they could help us accomplish our goals but honestly didn't expect the ROI we received so soon. Our experience mod has decreased twice since we engaged. We are now working with them on improving other areas of our business and are much more confident in our systems and processes surrounding the managing of our risk & insurance.
We are thrilled to have such a knowledgeable partner, and will never go back to our old ways again. I was skeptical that Metro Risk would be able to accomplish all the things they originally outlined at our first meeting.
They told us we needed to proactively manage our risk and claims, and we agreed. We were confident they could help us accomplish our goals but honestly didn't expect the ROI we received so soon. Our experience mod has decreased twice since we engaged. We are now working with them on improving other areas of our business and are much more confident in our systems and processes surrounding the managing of our risk & insurance.
We are thrilled to have such a knowledgeable partner, and will never go back to our old ways again. I was skeptical that Metro Risk would be able to accomplish all the things they originally outlined at our first meeting.
Services
Metropolitan Risk was founded in 2010 as a result of a simple observation: the way most small and mid-size businesses purchase insurance is flawed.
These companies "shop" their insurance out as much as once per year, hoping to find a cheaper price.
However, the amount they end up paying is a direct function of how well they prevent losses and manage claims.
Therefore high insurance costs are not the disease but a symptom of their results.
In addition, whichever broker gets to the best fit carrier first gets the policy even though brokers have access to the same pool of carriers.
These companies "shop" their insurance out as much as once per year, hoping to find a cheaper price.
However, the amount they end up paying is a direct function of how well they prevent losses and manage claims.
Therefore high insurance costs are not the disease but a symptom of their results.
In addition, whichever broker gets to the best fit carrier first gets the policy even though brokers have access to the same pool of carriers.
Our company was founded for one primary reason - to protect mid-size businesses by providing solutions that proactively manage risk 365 days a year.
We don't just sell our clients insurance and forget about them - it is our mission to drive substantive results to our clients while bringing down all of the costs associated with risk management.
We don't just sell our clients insurance and forget about them - it is our mission to drive substantive results to our clients while bringing down all of the costs associated with risk management.
Workers Compensation insurance is one of the few lines of insurance that has a great opportunity to re-capture lost expense dollars.
SIMPLE changes within your organization can help recapture lost expenses.
Most of these SIMPLE changes do not cost anything or at least pennies to the insurance dollars spent. Every year businesses overpay on workers compensation insurance due to overcharges resulting from incorrect protocols.
Incorrect experience modification factor calculation that could have a HUGE outsized impact on a business.
SIMPLE changes within your organization can help recapture lost expenses.
Most of these SIMPLE changes do not cost anything or at least pennies to the insurance dollars spent. Every year businesses overpay on workers compensation insurance due to overcharges resulting from incorrect protocols.
Incorrect experience modification factor calculation that could have a HUGE outsized impact on a business.
Our firm excels at the placing of commercial general liability insurance.
Commercial general liability presents tremendous opportunity for best-in-class companies to recapture lost expense dollars.
This will dramatically improve the performance of their business liability insurance account, which can also mean reduced costs on insurance coverage.
These best-in-class companies (our clients) understand there is a direct correlation between the premiums charged on commercial general liability contingent on the Loss Performance and the Claims History of the account.
Commercial general liability presents tremendous opportunity for best-in-class companies to recapture lost expense dollars.
This will dramatically improve the performance of their business liability insurance account, which can also mean reduced costs on insurance coverage.
These best-in-class companies (our clients) understand there is a direct correlation between the premiums charged on commercial general liability contingent on the Loss Performance and the Claims History of the account.
Commercial Auto Insurance covers liability and physical damage to vehicles as well as some medical expensives if an injury occurs.
Many states require individuals to purchase vehicle insurance to protect their cars.
Car insurance is mandated for good reason- if you get into an accident, you and the other driver involved will be thankful you have coverage.
If you are a business owner whose company has a fleet of vehicles, the same auto insurance needs still apply.
Even if your employees use company cars for both business and personal use, it would be beneficial to your business to look into purchasing a NY commercial vehicle policy for your business.
Many states require individuals to purchase vehicle insurance to protect their cars.
Car insurance is mandated for good reason- if you get into an accident, you and the other driver involved will be thankful you have coverage.
If you are a business owner whose company has a fleet of vehicles, the same auto insurance needs still apply.
Even if your employees use company cars for both business and personal use, it would be beneficial to your business to look into purchasing a NY commercial vehicle policy for your business.
Reviews
Be the first to review Metropolitan Risk.
Write a Review
