Services

Consulting

For those employers who do not wish to outsource the Administration of their Employee Benefit Programs, VBA will provide the following services on a consultative basis:

SERVICES PROVIDED
Exposure & Coverage Analysis
Do you have the right insurance? Are the policies written to address the appropriate exposures of your business? Is the daily administration burden being minimized? Are your premiums in line with the current marketplace?

Bid Management
How can competitive proposals help improve your coverage and premium? How do you select the best proposal from those presented?

Claims Assistance
Is the insurance company handling your claim properly? Is the offered settlement fair based on the coverage you purchased? Is a claim denial appropriate? What coverage should have been in place?

Insurance Management Services
How do you manage the entirety of your insurance program? What needs to be considered at renewal? Should you request quotations on alternative policy designs? What loss control services should your insurer provide? What claims management issues need to be addressed?
RESULTS DELIVERED
Unbiased Information

We are truly independent of all insurance carriers. You never have to wonder about hidden agendas or alliances. We let our clients choose whether they want to hire us as an agent or as a consultant, unless it is evident that it would be less expensive for us to act as their agent. As a Consultant we sell expertise to help you choose the right insurance.

Accurate Coverage
We uncover problem areas and mistakes. We help you make informed decisions and avoid surprises.

Lower Premiums
We know where to look for premium dollar leaks. We can help you make informed decisions. Wiser use of your premium dollars means lower costs.

Easier Administration
Our knowledge of insurance makes it easier for you to manage your insurance program. You get more time for your customers and the growth of your business.

Claims Assistance
Aggressive, pragmatic, focused pursuit of your claims means faster results protecting your interests.

Excellent Service
We are dedicated to our clients. We answer all client email messages within one business day. Phone messages from clients are returned in 90 minutes during business hours.


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