liability claims

We have administered General and Liquor liability programs for numerous national and regional clients, including Hospitality groups with 50+ plus locations to Real Estate Management firms with ownership in Hotels and Apartment complexes. The administration of liability claims for many firms is often a daunting task. By being proactive we are able to dispute or settle many of these claims prior to litigation. However, the unfortunate reality is that some start out or end up in litigation and that is where our litigation management experience will continue to benefit the client. Oversight of litigation activities and expenses is critical to ensure effective communication and defense strategies while ensuring proper cost control.

TPA services can add significant value to the mitigation of claims which result in significant cost savings. For certain types of organizations (risks) with self insured retentions, engagement of a TPA is often dictated by the policy along with specific duties. 

General liability claims are handled utilizing decision trees are utilized to asses volatile claims and large exposures. By estimating low, medium and high damages and specials coupled with liability analysis projections, defense and loss adjusting expense costs, we are able to forecast a range of potential costs that assist us in setting accurate reserves. This ultimately leads to recommendations involving resolution strategies and whether to deny, settle or litigate a claim.  Reserves are reviewed monthly and updated as new developments present themselves. Each claim is unique and our reserves are based on a series of variables unique to each claim. Reserving is as much an art as it is a science, objective variables are considered including dynamic damage formulas combined with historical experiences, published settlements, jurisdictional trends, future wage impact and are coupled with the judgments of the claimant, adjuster, counsel and carriers.

Fraudulent and/or questionable claims are analyzed and vigorously defended using proven procedures, strategies and technologies including background investigations and online research tools such as ISO Claim Search (Index Bureau), FC&S, West Law and Lexis Nexis legal research services.  Legitimate claims are handled promptly and efficiently. Our staff is experienced in  identifying innovative ways to mitigate claims utilizing proven negotiating techniques and through structured settlements arrangements which ensure smooth cash flows and maximization of present/future time values of your assets.

Our investigations always seek to identify other potentially liable parties. This is crucial to reducing or avoiding liability expenses and for maximizing subrogation and recovery efforts. We manage the litigation that is so crucial to achieving success in these areas .