Beyond risk management advisory and insurance placement lies everything else we do. From the day-to-day interaction with our top-notch client service staff to our consultative analysis programs, we are here to help you with services as wide ranging as workers’ compensation mod analysis and mitigation strategies, employee benefits reviews and analysis, reviews of your vendor contracts, development of the elements of an effective business continuity plan, or in the event of a loss, superior claims advocacy through our dedicated claims management staff.
Focused Claims Advocacy
As a client of Wheeler & Taylor, you are afforded invaluable insight and guidance in all aspects of claims management and resolution. Our objective is to ensure that the risk and insurance products we negotiate on your behalf respond as intended, with minimal delay and disruption to you. Our dedicated claims management staff will assist you by:
- Providing day-to-day assistance on claims issues and claims handling matters
- Evaluating coverage applicability
- Assisting with the claims recovery process
- Facilitating and participating in claim reviews
- Assisting in the development of loss and special handling instructions
- Helping you anticipate what to expect from underwriters on complex claims
- Identifying and correcting any breakdowns in the claims-handling process
- Identifying claim trends
- Developing loss control procedures to address repeat loss patterns
Workers’ Compensation Analysis & Mitigation Strategies
Workers’ Compensation is not only compulsory, but often one of the least understood and highest expenses of your complete insurance program.
Our highly specialized Workers’ Compensation professionals focus exclusively on Workers’ Compensation issues for our clients. Analyzing your Workers’ Compensation results and program in precise detail, we provide a customized analysis of how past, present, and future claims and trends affect your overall cost. Identifying and evaluating specific trends and claims, we help you develop targeted Loss Control, Risk Management and Best Practices to effectively reduce future losses and claims.
With direct access to top carriers and industry specific Workers’ Compensation programs, we will match your unique situation with the best and most competitive solution. This comprehensive and synergetic approach translates into a safer workplace, fewer claims and more favorable rates.
Employee Benefits Consulting & Insurance
The increasingly disrupted, confusing, and complex health care system in the United States has created challenges for employers in managing costs and compliance. Wheeler & Taylor partners with you to deliver consistent outcomes on your benefits programs. With our team standing next to you, we will help you streamline administration and boost employee engagement, all while focusing on cost savings.
Compliance & Regulations
Regardless of your industry, all businesses share similar challenges. Legislative, Human Resources and OSHA compliance regulations are constantly changing. Wheeler & Taylor understands that it takes, money, and resources in order to stay up-to-date and in compliance. We provide comprehensive legislative information regarding health care reform, COBRA, HIPAA, OSHA, workplace regulations, Employee Handbook and/or Safety Manuals creation tools, and much more. Our business is to make it easier for you to run and grow your business, all at no cost to you.
Contract Review & Analysis
A contract, by definition, is a written or spoken agreement, especially one concerning employment, sales, or tenancy that is intended to be enforceable by law. Wheeler & Taylor takes a managed approach to contract review assuring our clients that the assumption of contractual liability is consistent with the organization’s risk management philosophy. These reviews typically require time sensitive responses coupled with a concise understanding of local insurance requirements, but the service is invaluable to our clients as these activities help to manage and identify the possible new exposures that may emerge.
Business Continuity Planning
While traditional transactional insurance or other risk financing techniques can ease the financial losses associated with business interruption, a sound business recovery or “continuity” plan is crucial to help prevent a minor disruption from turning into a catastrophe.
At Wheeler & Taylor, our consultants combine loss control experience with broad insurance and risk management knowledge, allowing us to provide you with a thorough risk and business impact analysis. This analysis can form the foundation and cost justification basis of an effective Business Continuity Plan (BCP).
We also understand the importance of complying with regulatory requirements and fiduciary responsibilities in order to avoid potential penalties and litigation, bringing to bear the BCP solution that is right for your organization.
Business Life & Disability Consulting
Insuring your business isn’t just about insuring your property and protecting against liability. It’s also insuring yourself and the key employees that keep your business operating and growing. The unexpected death or disability of a partner or key employee can have a devastating impact on the continued operation, growth, and perpetuation of your business.
Our knowledge and experience will not only help you understand, identify and plan for such unexpected events, but also structure and fund those business perpetuation and continuance plans. We partner with the highest rated and industry leading companies to find the best performing and most cost-effective solutions.
Business Insurance Products and Plans Include:
- Buy/Sell Agreements
- Key-Person Agreements
- Business Overhead Expense
- Disability Income
- Term Life
- Whole Life
- Universal Life
