Practical Risk Management

C. L. Frates and Company believes that our agency has a fundamental responsibility to deliver practical risk management assistance to all of our clients (including claims and loss control management). This support takes many forms and includes the basic (ongoing assistance and advocacy to resolve a client’s claim) to the complicated (assistance to develop or improve important contracts with customers, owners or vendors).

Delivering Value

Insurance contracts are a promise to policyholders to provide a specific financial response in case of a loss from a covered peril. However, often the promise remains unfulfilled simply because a loss to trigger the insurance contract never occurs. There is much more to a relationship than simply delivering an insurance contract. C. L. Frates and Company is committed to provide clients with a tangible, practical, ongoing service that delivers real value no matter what happens with your insurance policy

Understanding You

Frates risk management services are based on understanding you, your business and your plans and concerns. We conduct a basic assessment of your exposure to loss, controls in place, your appetite for accepting risk and your plans for the future. We will employ this understanding to provide customized assistance in those areas that are the most important to you.

Risk Management Team

Director of Risk Management for C L Frates is Leroy Acree. Leroy has over 30 years experience as a leader in the risk management field, including being an integral part of the claims and loss control team for a Fortune 500 firm. He takes the lead in all Frates risk management activities and works closely with our entire Sales Team to deliver practical, customized assistance to our clients.

Services Offered

The variety of claims and loss control services C. L. Frates and Company offers includes:

• Claims reporting, monitoring and dispute resolution
• Claims analysis and review
• Developing customized claims coding and reporting support
• Client advocacy for each step in claim process
• Assistance to evaluate total cost of risk
• Property valuation
• Safety program analysis, monitoring and refinement
• Specific evaluation of controls for equipment, drivers, workplace and products
• Assistance with pollution assessments
• Assistance with contract language
• Tools to help manage certificates of insurance
• Training for both specific and more general safety management activities
• Resource assistance to deliver highly specialized services