What We Offer
We have diverse coverage expertise.
- Contamination & Product Recall
- Workers’ Compensation
- Employee Benefits
- Private Risk Solutions
- Captive Solutions
Contamination & Product Recall
Most experts would successfully argue that our food supply has never been safer. Headlines, social media disruption and prevailing risks, however, are perhaps at an all-time peak. Foodborne risks and supply-chain issues seem to be perpetual. We understand these risks—so we build plans that help find harmony among stakeholders and focus on helping you connect all of your business goals.
Details matter in this emerging world. Having the right team will not just help you navigate any recall, reputational concerns or contamination events. It will ensure future stakeholders can carry on your legacy. Our proven methods, results and CCP21 process deliver results across the entire footprint.
The state mandates that employers carry workers’ compensation coverage. The National Council of Compensation Insurance sets the rates and your experience modifier. Insurance companies manage and adjudicate claims dollars. Your premium, according to them, “is what it is.”
This is an idea that agents and brokers have facilitated through the marketplace for years. Forego the hype and declare, “Enough is enough.” If you are looking for a best-in-class partner with an entrepreneurial spirit and focus, talk to IMCG. We move the needle for our clients with:
• Concierge Claims Management (It’s your money)
• Experience Modifier Audits
• Classification Audits and appropriate strategies
• Loss-Sensitive Plans
• Superior Cost Containment
• Managed Care Network evaluation and deployment with occupational experts
• Results-Oriented Return-to-Work Plans
• Payroll audit preparation, review and reconciliation
Many employers and agents give their best efforts each year only to discover the budgets for employee benefits are incrementally increasing. Market justifications may support why this makes sense. But we do not agree. Sure, careful planning and strategy are important and most do them really well. It’s all about execution and our employee benefits specialists provide tactful planning, multi-year evaluation and strategy. We deliver results to our partners inside both traditional insurance products and creative vehicles to effectively finance health costs and enhance long-term predictability toward your budgets.
Private Risk Solutions
We don’t just promise to provide our partners with leading edge solutions that protect our unique Southwest Florida lifestyle—we live them. For us, it’s about safeguarding legacies and offering peace of mind for the families we are privileged to serve. All of our associates share a zeal and passion to evaluate, design and build the best plans in every opportunity we have to earn, build and strengthen trust in our communities.
This long-standing form of self-insurance may be an effective financing vehicle to deliver control and long-term predictability over your insurance costs. Do your insurance premiums escalate each year, even though it’s not deserved? Worse yet, are you being marginalized, because of the marketplace results? If so, then consider the benefits of captives.
Financial Rewards: Investment income and tax benefits may be available (consult your tax advisor). Captive members may retain unused claims dollars, along with investment income. Inside a traditional insurance arrangement, the insurance company controls and realizes the benefit of those unused claims dollars.
Member Control: Captives can and do provide members equal voting rights and a collaborate platform for your voice. No reason to sit back and wait for “board approval”—you can have a seat in the boardroom, while directly impacting your short- and long-term costs.
Results Matter: You can be rewarded with long-term financial benefits directly attributable to your results. If you and your company are struggling with losses, loss experience and loss development, a different conversation should take place. If you remain a leader and desire to earn what your company deserves, let’s talk about how you can escape the “herd” of masses.
Claims Management: Or in our case, concierge claims management, a ridiculously effective in-house third-party claims facility situated in our Fort Myers headquarters. In concert with your approved claims facility, our model year over year continues to deliver exceptional results.
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