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1

50 W. Lancaster Ave., Ardmore, PA 19003 610-896-6435

ATM Safety Deposit Boxes Coin Machine  Bank Branch

2

5000 Pennell Road, Aston, PA 19014 610-364-7800

ATM Safety Deposit Boxes  Bank Branch

3

135 City Ave., Bala Cynwyd, PA 19004 610-664-6293

ATM Safety Deposit Boxes  Bank Branch

4

1651 Blackwood Clementon Rd., Blackwood, NJ 08012 856-262-8811

ATM Safety Deposit Boxes  Bank Branch

5

599 Skippack Pike, Blue Bell, PA 19422 215-646-9102

ATM Safety Deposit Boxes Coin Machine  Bank Branch

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Risk management projects Examples

Examples of risk management projects handled by BMT Insurance Advisors include the following:

Audit/Survey of Existing Risk Management Program
  • Exposure
  • Explanation of loss control and loss financing mechanisms
  • Analysis of insurance coverage/terms
  • Development of specifications
Documentation/Communication of Risk Management Program
  • Summary of coverage for managers
  • Claims reporting and handling procedures
  • Loss experience/performance of program summaries
Maintenance of Complete Document Files
  • Policies
  • Claims information
  • Captive data
Administration/Monitoring of Claims Handling/Reserving Practices
  • Independent review – accuracy of reserves
  • Impact of ultimate cost for loss-sensitive programs
  • Managed-care programs
  • Return-to-work programs
Implementation and Monitoring of Appropriate Loss Control Program
  • Development of safety policy statements
  • Assistance with organization of safety committees
  • Coordination of engineering services
Allocation of Cost of Risk Management Program
  • Promotion of participation in loss control program
  • Provision of cost information to managers
  • Balance of risk bearing and risk sharing (particularly important where retention levels are high and program is loss-sensitive)
Review of Acquisition Candidates
  • Impact on overall risk management program
Review of Experience Modification Calculations
  • Impact on ultimate cost
Loss Forecasting
  • Important to determination of cost of loss-sensitive program
  • Trending and developing
Negotiations with Captive Manager/Insurance Company
  • Coverage terms
  • Cost
  • Claims handling

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Latest Insights

Insuring a residential condominium unit can be complicated. If you own a condo and sustain damage, there are two insurance policies that will respond: your own condo unit owner’s policy (or HO-6), and the association master policy. In this week’s newsletter, we discuss what each policy covers and offer insight into selecting better-than-basic coverage options for your HO-6 policy.

Thinking about or planning for a disaster – fire, theft, flood, etc. – is not pleasant. However, addressing those “what if” scenarios before they occur, when you are not under tremendous stress, will be comforting to you and all those affected. Having verifiable documentation of your ownership and worth of your valuables – works of art, jewelry, furniture, and recreational equipment – will help you navigate a potentially arduous claims process.

All company managers, not-for-profit and for-profit, know they need insurance. They don’t always know why, and they don’t always understand exactly how it works, but they know there are funders, landlords, banks, and others who require that they have it.