Property & Casualty

Property and casualty insurance is the foundation of any risk management program.

No matter what the industry, we have the expertise to structure comprehensive insurance programs that help protect against loss.

We provide property and casualty insurance solutions to a diverse range of business segments – including non-profits, law firms, and software consultants, as well as manufacturing, distribution, and construction companies. Because the exposures every business faces are unique, we work with our clients to determine their needs, and then develop solutions to best protect their assets.

Points of service to count on from Byrne Byrne:

  • Total Insurance Analysis
    We perform our total insurance analysis at no cost to you, reviewing each insurance policy you have in place and identifying any needs, including gaps, under-insurance, and over-insurance that may occur.

    We are a full service agency with specialists in all forms of insurance available. While we do not insist that our recommendations be taken, it is our job is to inform you of your potential exposure to loss.

  • Provider ComparisonWe align our clients and insurance providers based on the established need and the ability to meet that need, in a coverage-rich and cost-effective manner.

    We observe that businesses who have used the services of insurance agents representing a single company, or representing very few companies, find that they have no ability to develop a benchmark, and therefore have no option but to sell the only program that they have available – they have no way to compare and obtain the best price or coverage.

  • Ongoing Coverage AssessmentWe contact our clients throughout the year to verify that no changes have taken place that could increase or reduce their financial risk – changes that might allow for lower cost options to current insurance programs.

    The culmination of this ongoing review is the renewal analysis we perform 90 or 120 days prior to a client’s expiration. Our renewal strategy is communicated to the client, ensuring the client’s expectations are clear, in terms of alternate options and timeframes.

  • Responsive Claims ServiceIf claims occur, we provide 24-hour confirmation of receipt, and we track the claim process to ensure that it is handled in a timely fashion.

    We recognize the importance of the timely and efficient response to claims as the single primary reason that people buy insurance.

Risk Management

At Byrne Byrne we are solidly focused on your future.

We consistently utilize three core principles to help you manage your risk:  

Strategy:

We recommend that our clients make risk management a strategic initiative. By defining and developing an action plan based on meeting those objectives, we ensure an organized, complete approach to fulfilling your property and casualty needs. Careful strategic planning includes ongoing evaluation of all your organization's characteristics, and ensures a proper balance is achieved. Strategic planning also shields your approach from becoming obsolete as new exposures and market factors emerge.  

Service:

At Byrne Byrne, we pride ourselves on the high level of knowledge and personalized service we provide to our clients. Take a look at just a few points of service you can count on as a part of the Byrne Byrne client family.
CONTACT Consistent communication is key! At Byrne Byrne, we make it a point to meet with our clients regularly. INFORMATION We possess the expertise to negotiate comprehensive, competitive insurance solutions using our vast resources. ADVOCACY We work on your behalf with an unbiased perspective. PERSONNEL We develop and empower a professional, experienced staff. CLAIMS MANAGEMENT We focus on cost containment, reserving, and fighting fraud. LOSS CONTROL We identify trends and exposures to loss, and offer creative solutions to manage them. SAFETY EDUCATION We provide safety awareness communication materials to ensure your message is delivered in an effective way to your personnel.
 

Technology:

Using exclusive, internet-driven applications, we provide our agency staff and our clients with unsurpassed efficiency and access to information.  

Areas of Specialization

  • Alternative Risk/Captives
  • Commercial Automobile
  • Foreign Liability
  • General Liability
  • Ocean Marine
  • Product Recall
  • Commercial Property
  • Umbrella/Excess Liability
  • Workers Compensation
  • Professional Liability
  • Management Liability
  • Fiduciary Liability

Loss Control

From strategic planning to implementation, your safety initiatives will be customized for you.

 

Our aim is to help you:

  • Reduce employee injuries
  • Reduce insurance costs
  • Promote continuous improvement in safety
  • Maintain OSHA compliance

Through the use of:

  • Data Analysis
  • Workplace Assessment
  • Training and Education
  • Safety Committee Development / Support
  • OSHA Compliance Assistance
  • Experience Modification Verification / Projections
  • Injury Review
 

Claims Management

Byrne Byrne is committed to providing you with proactive claims management services focused on minimizing overall claims expenses.

 

Cost Containment Strategies

Effective Cost Containment Strategies are crucial. When claims happen, Byrne Byrne is there to help. Our claims cost containment resources help you to control costs through proper claims reporting, accident investigation, minimizing fraud and supporting return to work activities.

Loss Analysis

Byrne Byrne can assist in identifying your loss drivers and implement solutions that help you:
  • Reduce claims
  • Improve safety
  • Reduce insurance costs
  • Present complex information in an easy to use and understand way
  • Lead you to faster, more effective decisions

Workers Compensation

Unique Workers Compensation Services:

  • Claims Management
  • Forecasting/Trend Analysis
  • Experience Modification Review & Projection
  To request information regarding any of our Property & Casualty products or services, please Contact Us