Risk Management and Insurance Consultants

RCG is one of the nation’s largest risk management and insurance consulting firms with construction insurance consultants and other risk management & insurance consultants all consulting on a fee only basis. RCG has consulted for over 20 years to Fortune 500 and smaller companies and numerous governmental entities, hospitals, contractors and subcontractors with combined construction values in excess of $5 billion.

RCG’s independent insurance consultants do not sell insurance and the firm is headquartered in California with offices in New Jersey and Florida and has associate insurance consultants throughout the country. Our primary insurance consulting mission is to protect client assets through risk management and insurance/self-insurance and to minimize premiums and other costs.

RCG is a client protection, cost and results oriented insurance consulting organization.

Risk Consulting Group focus areas of risk management and insurance consulting are:

Construction Insurance Consultants -
Cost Control and Comprehensive Coverage

The cost of construction insurance can range from 4% to over 8% of contract value - this cost can be significantly controlled and broad insurance coverage obtained by RCG’s Construction Insurance Consulting Practice.

Assess and redraft insurance requirements of architect and construction agreements
Determine the feasibility and structure of OCIP and CCIP wrap up projects
Negotiate favorable insurance coverage and low rates in construction contracts

Insurance Renewal Consulting

Comprehensive insurance coverage and competitive premiums are obtained through a strategic insurance renewal marketing process.

Prepare encompassing Insurance Renewal Specifications
Work closely with selected broker(s) and insurer(s) to obtain the broadest coverages and lowest prudent premiums
Present renewal coverage and cost exhibits and reports

Risk Management and Insurance Consultant Audits

A Risk Management and Insurance Audit or “General Health Exam” of a client’s organizational risks and insurance program will determine acceptable and recommended areas of improvement.

Identify and quantify risks
Evaluate the existing and recommend the optimum insurance program:
- Coverages
- Limits
- Deductibles
Determine cost competitiveness
Recommend action oriented recommendations

Workers’ Compensation Insurance Consulting

Workers’ Compensation insurance premiums can have over a 50% variance amongst insurers proposals. Combined safety and claims management controls can have a similar impact.

Assess and implement loss controls
Conduct claim audits
Implement cost controls

Expert Witness and Insurance Consultant Litigation Support

Risk management and insurance consultant expert witness capabilities are based upon decades of insurance consulting experience in risk management to a diversity of clients.