Risk Management Services

Property & Casualty

Risk Management Analysis

Do I have the right type of coverage? What risks are uninsured? How can we reduce claims? A risk management analysis answers these and other questions by taking a holistic approach to reviewing your risk management and insurance programs. The analysis considers how exposures are identified, defines risk tolerance levels, assesses programs to mitigate or prevent losses, reviews insurance as a risk financing tool, and assesses the effectiveness of a risk management program over time.

Claim Assistance

Gänder Consulting Group will review claim denials, negotiate with insurance carriers, compile claim presentation materials, and review coverage terms and conditions.

Alternative Risk Financing Techniques

Should we use a multi-line retro? Establish a captive insurance company? Gänder Consulting Group performs feasibility studies in the areas of self-funding and captive formation. We define the objectives of the study, gather information, review results, and provide an unbiased opinion on how – or whether – to proceed.

Coverage Evaluations

An insurance coverage review analyzes property and casualty insurance policies and compares them with industry standards. When concluded, a report is generated which indicates coverage highlights and deficiencies. Depending on the information provided, this process can provide insight on whether a client is over or under insured and if insurance coverages match related risks.

Outsourced Risk Manager

Gänder Consulting Group will serve as an entity’s outsourced risk manager. We offer entities the option to retain our services on a time and materials basis. Services include, but are not limited to contract review, insurance coverage analysis, coverage negotiation and placement, and claim assistance.

Marketing Management

Develop Specifications

Gänder Consulting Group will develop insurance coverage bid specifications based on a thorough review of operations, interviews with personnel, and an analysis of current and desired coverages.

Program Marketing

Gänder Consulting Group will manage the property and casualty competitive bid process from start to finish, including submitting a data request, preparing an RFP document, contacting agents/brokers, analyzing proposals, and providing recommendations.

Specialized Services

Association Programs

Gänder Consulting Group develops and monitors insurance and risk management programs for national and state associations. These efforts include, but are not limited to counseling program trustees, matching carriers with programs, drafting contracts, ensuring contractual compliance, reviewing actuarial reports, and analyzing policy language.

Expert Witness Testimony/Litigation Support

Gänder Consulting Group will work at your direction. Our specialties include, but are not limited to: agents and brokers duty of care; casualty insurance policy wording interpretation; casualty coverage analysis; underwriting process evaluation; property/casualty coverage negotiation; liability coverages; premium disputes, workers compensation rating plan structure and review; and property/casualty and benefit group insurance programs for public entity and non-profit, trade associations.


Gänder Consulting Group is available to develop and present seminars to explain coverages offered by your insurance programs, provide educational information on risk control and claim issues, and/or detail other pertinent insurance-related topics affecting your organization.

Employee Benefits Services


Benefit Strategy Development

Communication is key to understanding your company’s philosophy for and the financial resources backing an employee benefits program.  Gänder Consulting Group will meet with management to discuss and evaluate benefits and objectives.  Based on interviews, reviewing plan documents, and knowledge of current markets and plan designs, suggestions will be given to develop and/or restructure a plan tailored to specific program needs.

Plan Evaluation & Design

After obtaining and analyzing all plan documents describing benefit and contribution levels, eligibility, costs, claim/utilization reports, and discussions with management, we will compare the material to benchmarks in the marketplace.  Recommendations for changes to enhance the value of the plan to employees, identification of plan design inefficiencies, and ideas for streamlining administration and service will be presented in detail.

Program Marketing for Fully Insured & Self-Funded Programs

The competitive bidding process involves drafting an RFP based on desired benefit levels, plan design, eligibility, and contribution requirements.  Interested agents/brokers are approached for quotations.  Proposals are received and reviewed by Gänder Consulting Group.  A detailed summary of the responses and a report containing rationale/recommendations for a benefits package is then presented.  As requested, we will assist with plan implementation.  We are available to manage the entire bidding process from beginning to end.

All information provided to Gänder Consulting Group will be handled on a confidential basis.

All conclusions or opinions will be arrived at independently based on the facts of the case, our knowledge and experience,

and, if appropriate, published material.