Insurance Brokerage

shutterstock_143702539Health Risk Services Inc. is a fully registered and Licensed Insurance Brokerage operation.  We recognize that every business owner small to large, has unique Insurance needs for both business and personal matters. Although the initial focus of Health Risk Services pertains to the needs of the business owner, we believe that the success of any well designed insurance program rests in the full education and integration of both the business and personal insurance requirement for the individual, their employees and their families.

As such, once your particular areas of concern are identified and the appropriate recommendations have been made by our specialists, HRS will “shop” the insurance market to confirm the following:

  1. Are your insured products still within “competitive market pricing”?
  2. Are your insured products “correctly designed” to continue meeting the need that they were implemented for?
  3. Are there better suited product options for the needs being addressed?
  4. Is there an Insurance provider that will meet your “service” requirements more effectively and efficiently?

shutterstock_224078662If after “shopping” the market, it is determined that your current insured product or products are working well for you, we will assist you in managing that program and will even implement the integration of the product into a new portfolio we are designing for you at Health Risk Services.  If the “shopping” process has identified that a “renovation” to the existing product is required, HRS will perform the necessary administrative duties to assist you in that process.  Or thirdly, our “shopping” process may have identified a better solution to your needs.  In that event, HRS will then effectively and diligently assist you in the purchase and implementation of your chosen program.

Once HRS becomes actively engaged as your long-term Insurance Partner, we will continue to review your insurance programs on a regular basis both internally and with you personally, to ensure that your changing needs and requirements are always being addressed.