Risk Management

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A VISION FOR MEETING A CRITICAL BUSINESS NEED...

Through years of experience working with business owners who have become confused and frustrated as they have tried deal with the complex, but critical, decisions necessary for their Property and Casualty Insurance program,  Commercial Consulting Services has developed a cost-effective solution to eliminate this frustration. Businesses now have a way to...

WB01691_.gif (217 bytes)  Reduce premium costs, and

WB01691_.gif (217 bytes)  Be adequately prepared for the unexpected,

WB01691_.gif (217 bytes)  Without having to bear the significant financial
      burden of consulting services!

SHARING THE COST...

While large corporations frequently have an insurance consultant on staff, this service is most often financially out of the question for smaller companies. It has been the vision of CCS to meet this need with the necessary training and experience,  but working simultaneously with several businesses that, in effect, share the cost of this much needed service.

Please note that due to the regulated nature of this type of assistance, all risk management and insurance consulting work is done under a part-time employment contact, rather than as an independent consultant.  This allows us the freedom to assist you more fully!

IMMEDIATE RESULTS...Business Insurance Consulting Client

For most companies, the assistance provided in the first three months will more than justify the annual salary! During this time, Commercial Consulting Services will provide a detailed analysis of your business and its insurance needs, as well as a careful evaluation of your company's current insurance program. After this analysis is completed, you will be advised, as necessary, to make "urgent" alterations in coverage that will fill gaps or change limits.

It will be of interest that, to date, CCS has discovered at least one serious unknown coverage gap in the property and casualty policies of every business we have served! In each case these gaps would have resulted in the financial failure of the company if a claim had been filed in the specific uncovered area! Many times the additional coverage needed required the payment of little or no additional premium!

SIGNIFICANT PREMIUM SAVINGS...

The effort of Commercial Consulting Services to save you money, however, does not stop with making sure there is adequate coverage for a potential loss. If you have a good claims record, the tough negotiating of CCS on your behalf will actually lower your premiums! It has always been our goal to save at least as much in premium dollars as the annual salary, however, during a "soft market", a 20% reduction in last year's premiums is the average experience of our client companies. A few have saved up to 50%, while several others over 30%!  Even in "hard market" times, when pricing increases are the norm, premium savings will be significant.

We realize that this may all seem a bit "too good to be true", so please take the time to call several of the companies for whom we have done work in past and also our  current clients. Call us for a list of CCS clients, with their contact information.

This is what our clients say about CCS:

"Unbiased professional advice and substantial savings in money spent for insurance!"  R.F., Richmond, Virginia

"A better insurance policy for coverage needed, plus reduced premiums! I saved more than the services cost and I feel more informed on insurance matters!"  H.G., Amelia, Virginia

"We gained a greater knowledge of our insurance needs and closed important gaps in our coverage. CCS also helped save money by finding where we were paying for double or useless coverage! Attention to detail was excellent!"  R.O., Fredericksburg, Virginia

 "CCS saved us money!  In addition to their services being cost effective, I now have a more comprehensive understanding of how the insurance industry really works."  P.S., Virginia Beach, Virginia

"We appreciated having questions answered in terms we could understand, without having to listen to a sales pitch!  And CCS was able to gather complete information for all agents at ONE time!  My thanks for that!

Also, CCS knows what information to present to get us the best coverage and the best insurance quote without a bias. The service has been cost effective!"  F.M., Fredericksburg, Virginia

 

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     Last modified: August 23, 2012
     Copyright 2002 Commercial Consulting Services