Commercial Lines

Beacon commercial provides for the property and casualty insurance and risk management needs. We identify as many of our clients’ exposures to loss as possible and design a comprehensive program with employee safety initiatives, disaster planning and claims analysis. We then negotiate the best possible terms, conditions and pricing, and continue to analyze and modify your program as markets and risks change. From Risk Assessment to Business Transition Plans, we serve many industries and sizes of businesses the same way: By helping you secure competitive insurance options, improve workplace safety and enhance profitability.

Risk Management Consultation

Accident costs adversely affect the bottom line of all organizations. In order to prevent and mitigate losses organizations must break from the traditional reactive management techniques and employ progressive, proactive methods to analyze and solve their safety problems.

Beacon provides clients with hands on Risk Control Solutions for the prevention and mitigation of losses. We offer a full range of risk control services, including safety program evaluations and hazard analysis.

Some of the services Beacon provides are as follows:

  • OSHA Compliance Assistance
  • Safety Program Development
  • Ergonomic Services
  • Employee Development Programs
  • Training Materials
  • Post-Accident Loss Control
  • Fleet Program Review
  • Driver Training Support Materials

Claims Management

Beacon employs a proactive and unique approach while delivering “best in class” claims portfolio management services to our clientele. We ultilize a “top down” methodology to overall portfolio management with specific focus on claims that have the greatest potential to adversely affect the client’s financial statement.

We serve on behalf of our clients as their claims advocate. We identify the tolerance of the local statue, analyze the financial impact from various perspectives and offer the client our recommendation with substantiation thereby positioning the client to make an informed decision on an individual claim based upon all of the available data.

Beacon provides the following claims services:

  • Participation in regularly scheduled claims reviews
  • Oversight of the claims professionals assigned to each program
  • Development and oversight of return to work processes
  • Interaction with claims professionals, defense counsel, medical directors etc.
  • Development of diary system on workers compensation claims of influence