Engle-Hambright & Davies, Inc. (EHD) services

Identify and assess potential problems and risks early. Act sure-footedly in their management. Prevent them from becoming a financial or operational detriment to your business. And, where possible, convert such problems or risks to competitive — and profitable — advantages. These are the guiding philosophies of EHD’s commercial insurance and risk-management personnel — expert problem-solvers who put their years of experience to work for you. EHD’s insurance and risk-management experts offer these core brokerage services: Risk analysis. Plan design and implementation. Program marketing and analysis. Carrier qualification and monitoring. Claims management. Administrative management support.

EHD’s specialization makes a difference in reducing your total cost of risk. The experience and market specialization that EHD offers construction firms — in addition to the substantial premium volume we write in this industry — is measurable in our ability to significantly reduce your total cost of risk. Such risk reduction occurs with changes in premiums, claims management and loss prevention/risk control — variables made manageable by our industry knowledge and access to the insurance marketplace. EHD’s team of dedicated professionals will help you understand the insurance, surety, environmental liability and risk-management considerations that can affect your company’s goals. EHD offers the following core brokerage services: Risk analysis. Plan design and implementation. Program marketing and analysis. Carrier qualification and monitoring. Claims management. Administrative management support.

By understanding the unique exposures of manufacturers, EHD designs insurance and service programs that work to minimize those exposures in the first place. In fact, we’ve been working with the special characteristics of manufacturers since 1896, and our current brokers and technical support staff boast 100+ years of combined industry experience. Our goal is a simple one: to positively impact your assembly line and your bottom line. Our in-house Claims Tech staff offers time-tested safety and claims management services to help reduce the cost of workers’ compensation and expedite the return of an injured employee. Claims Tech also provides specific loss-control services to assist you with OSHA-related training, job-site inspections, safety committee certification, and workers’-comp doctor panels. EHD offers manufacturers these core brokerage services: Risk analysis. Plan design and implementation. Program marketing and analysis. Carrier qualification and monitoring. Claims management. Administrative management support.

When understanding government or school districts, EHD brings a wealth of knowledge and expertise to your organization. Having a dedicated Public Entity Division, we understand how public entities work and can partner with the Administration. This is what we do, each and every day. EHD provides services that most risk managers do not, such as budgeting advice for your insurance program, training development and facilitation for your staff and Risk Control Services for your Safety Committee or Accident and Illness Prevention Program. EHD understands there are limited insurance markets for your public entity. EHD will find the right fit for you providing the best protection at the best value. EHD will make sure the indirect costs are managed as closely as the direct premium costs.

EHD Employee Benefit Services provides value-added service and sophisticated, objective advice to help businesses maximize asset value, corporate resources, performance levels, and employee goodwill and retention. One of the largest, most comprehensive benefit operations in the region, EHD Employee Benefit Services brings a team-based, consultative approach to business. The result is a tailored benefit-solutions plan that achieves a balance between your corporate financial needs and those of your employees. Three principles form the core of our commitment to increasing the productivity and profitability of your business. First, strategic planning lets us define objectives and form an action plan to fulfill your benefit needs. Second, we pride ourselves on providing proactive, superior and responsive service on behalf of you and your employees. And, third, innovative technology using Internet-driven applications gives us immediate access to information and maximizes efficiency - all to assist in your decision-making, plan management and administration.

EHD’s personal lines division tailors insurance for your changing life. EHD provides its business clients with cost-effective personal insurance solutions as a valued-added service. Our account team will work closely with you to create a customized “protection” package that meets the needs of you and your family. We make client-focused service a priority, offering competitive rate comparisons, next-day issuance of quotes, detailed property inspection reports, and the resources of a proprietary claims department. EHD offers all major lines of personal insurance and customized policies to protect your personal assets: homeowners; automobile, including antique/classic auto and other specialty vehicles; boat and yacht; fine art and expensive jewelry; personal director’s and officer’s liability; flood insurance; in-home business; even identity fraud protection.

EHD"s partnership with Assurex gives us a local presence anywhere you do business. Together with our business partners in Assurex Global, EHD comprises the world’s largest privately held risk management and commercial insurance brokerage. We put the advantages of such scale and scope to work for you and your bottom line. Assurex partners have preferred relationships with leading domestic and international carriers. As a result, EHD can represent your business interests regardless of where your operations or facilities may be located — at home, around the world, even in cyberspace. Assurex is built upon the open exchange of information among risk management professionals worldwide. This proprietary database puts us a click away from information you need to keep your assets safe and your people productive.

Maximizing profits by minimizing losses. By identifying exposures and evaluating controls in your workplace, EHD Risk Control Services helps you take your critical safety and health programs to a higher level. Our personalized, hands-on approach maximizes your profit margins by minimizing your losses. EHD has been offering risk control services since the late 1970s to assist you in strengthening your business" bottom line. With our resources and broad-based knowledge, we develop solutions to control the unwanted costs of workplace accidents. EHD Risk Control Services advises clients in many areas, including: Insurance-related Safety and Health Issues. OSHA Compliance. Employee and Supervisory Training. Forklift Training. Defensive Driving. Safety Committees.

EHD in-house Claim Specialists work for YOU. They will assist in the reporting and management of complex claims, in order to reduce your Total Cost of Risk. Assist in reporting and management of claims. Prepare and submit loss reports to carriers (except WC). Challenge claim declinations, negotiate reserves, negotiate favorable coverage interpretations and establish claims management strategies. Assist in making recommendations for claim settlement (when appropriate). Communicate with insured’s on status of claims.

EHD"s innovative risk-management program significantly reduces your total workers" compensation costs. As your business partner, EHD is committed to helping you manage your Total Cost of Risk by developing proactive, verifiable cost-containment strategies. That fundamental objective is at the core of our proprietary Work Compass program, an innovative risk-management and consulting program designed to quickly lower the costs and better control the impact of workers" compensation on your company. Designed for larger companies that want to partially or fully self-insure their workers" compensation programs, Work Compass can reduce the direct and indirect costs of workers" compensation by: Auditing and Benchmarking your current costs and work processes to identify problems and opportunities. Integrating "best practice" workers" compensation, risk-management and safety strategies into your operation - and monitoring the results. Improving employee productivity and supervisory accountability through EHD"s proprietary Work Compass Web product. Delivering nearly immediate ROI through gains in operational efficiencies - "3T Process" of Training, Technology and TPA Selection and Management.