Nitty-Gritty Solutions can help you identify the types and amounts of coverage your organization needs. We'll evaluate your current costs associated with your present risk management program, and recommend the appropriate level of coverage that achieves the results you want and need. If you desire, we will provide cost-effective and timely claims service administration.

We are THE one-source insurance and risk management resource who will help you say goodbye to double-digit annual cost increases. In fact, we'll turn your present expenses into savings.

Identifying True Risk Potential

In addition to protection from natural disasters, an effective risk management program takes into consideration a variety of situations that threaten the organization's assets. These include: job-related injuries, inadequate employment practices, and e-commerce standards failure. And, don't forget the increasing number of unanticipated events involving individuals who set out to harm other people and/or property. All of these situations not only create "out-of-pocket" financial loss, but also can burden you with decreased productivity and/or unanticipated legal fees. Can your business survive such a catastrophe?

A responsible risk management program includes both appropriate levels of insurance coverage and a proactive safety control effort. These include:

• Property and casualty coverage that recognizes the true value of your assets, including their measurable contribution to the organization's profits;
  
  
• Assurances that allow you to continue to recognize income and pay expenses should a debilitating event occur beyond your control;
  
  
• Compensation for losses incurred as a direct result of a failure of your e-commerce business processes;
  
  
• Protection against liability that can arise from inadequate employment practices and non-compliance with contractual standards;
  
  
• Safety training programs that teach management and employees their shared work-related responsibilities and best operating practices;
  
  
• Appropriate measures to identify and address aggressive behavior, sexual harassment, and workplace violence.

In addition to determining the circumstances against which your organization must be protected, business leaders should focus on funding options. Consider whether traditional insurance coverage or self-funding alternatives are in the best interest of the company. Call on the experience of those who can effectively relate the benefits of both options in light of your business's particular circumstances.

The Successful Risk Management Alternative

Today, asset protection has become so complex that larger organizations have added a Risk Manager to their staffs. Small business entrepreneurs elect to: assume the responsibility themselves; combine the function with that of the Human Resources Manager, Controller, or another position; or delegate the job to their insurance agent.

None of these alternatives provide the best solution. The most qualified Risk Manager lacks the time and resources necessary to keep up with the constantly changing rules and regulations impacting this area. The number of insurance programs and the multiple options within each is equally confusing.

Risk management has become an industry of its own, and the specialties within it are many. Only by utilizing the services of experienced team of professionals can you be absolutely certain that your organization is adequately protected from every possibility that can erode the bottom line or, worse yet, close the business down.

Nitty-Gritty Solutions' specialists offer you more than 25 years' experience in the insurance and risk management field. Our team has a working knowledge of all types of insurance coverage and a variety of carriers. We will recommend a balanced approach for you only after reaching an understanding of your needs in relation to available programs. We also will help you reduce your need for coverage by taking advantage of the long-term dividends you'll reap from a proactive approach to safety education and management.

Don't jeopardize your assets. Call on Nitty-Gritty Solutions to help you acquire the insurance and risk management program you need.