Asking questions. Creating answers.
Learning about your business’s risk management objectives is the best way to design and implement programs that anticipate and adapt to your needs. So, we ask questions. Areas we examine during this process include:

1. Risk identification and evaluation

2. Evaluation of risk areas that can be eliminated or minimalized

3. Selecting the best options for risk financing

• Conventional insurance programs
• Management risk assumption
• Risk participating programs
• – Dividend/retention programs
• – Retrospective rating plans
• – Large deductible plans
• – Qualified self-insurance
• – Captives

4. Implementation, proactive monitoring and administration of risk financing and management techniques

5. Implementation and monitoring of programs that address:

• Loss control
• Safety engineering
• Claims handling

Going to the market.
After a thorough analysis of your needs, we create a detailed program for your company. This detailed program then goes to market through our Pricing/Placement Department of experts committed to motivating selected underwriters to:

1. Thoroughly review and understand our submission

2. Understand your business

3. Provide favorable, competitive quotes and options

Your Tobias representative will provide you with complete support while your program is in the market.

©2003 Tobias Insurance Group, Inc.