Property and Casualty
You need an insurance partner who is willing to get their hands dirty, to use their years of experience and access to world-class resources to dig into your business, find gaps in your current coverage, and uncover potential risks that you need to prepare for.
Consider us an extension of your team, dedicated to guiding and protecting you, your business, and your employees from risk with high-touch attention and top-shelf expertise.
Cyber Risk Report: What to Expect in 2023
M3’s cyber leaders break down which cybercrime tactics are emerging as threats in 2023 and how the cyber liability market is reacting to criminals’ new methods with shifts in underwriting and new ancillary services.
Defend Yourself from Cyber Strikes Before They Happen
It’s not a matter of “if”, but “when”. M3 staffs cyber liability experts to keep you up to speed on the growing risks associated with data loss, from hacking, equipment theﬅ, employee fraud, negligence, and more – and ensure you’re covered when a cyber-attack strikes.
Rapid Response & Recovery
Chris Halverson, director of rapid response & recovery, has helped clients navigate their toughest moments for over 30 years. From activating recovery teams and consulting on risks and exposures in real-time to establishing a communication channel between the business, employees, and the media, Chris is there for our clients when they need it most.
M3 understands the need for comprehensive coverage that’s tailored to the unique needs of your people and your company. Management liability insurance provides a wide range of protection to business owners and principals. Jeanne Flanagan, M3’s director of management liability, can work with you so you have the right protections in place:
- Directors & Officers Liability
- Errors & Omissions Liability
- Fiduciary Liability
- Employment Practices Liability
- Fidelity & Crime
Risk Management Services
Loss Control + Prevention
Loss control and prevention is the cornerstone of any risk management strategy, but it’s only when tactics are completely customized to your business that you see impactful results. We make it our business to meet you where you are, ask the right questions, and provide risk management solutions that empower you to successfully manage your exposures.
- Workers’ compensation programs
- In-house risk managers and safety consultants
- Risk assessment/risk control audits
- Site surveys
- Regulatory & OSHA training & compliance
- Loss analysis
- Training programs, return-to-work programs, drug and alcohol testing
- Ergonomic planning and evaluations
- Safety & environmental program development & best practices
- OSHA compliance consultations
- Business continuity planning
Certified Industrial Hygienist
M3 clients have full-time access to Paul Klein for expertise in industrial ventilation system design, evaluation, and performance. We encourage our clients to think of M3’s risk management resources as a direct extension of their team, someone that they can call directly when they have a question or concern. That kind of experience and 1:1 interaction can save you time and money when it comes to claims down the road.
Leverage our data analysis team for data visualization and benchmarking that can help you predict trends and proactively manage your risk.
- Advanced analytics and modeling
- Industry benchmarking
- Loss forecasting
- Mod projection and verification
Going the Extra Mile to Save You Experience Modification Points
M3 takes the extra step when it comes to workers’ compensation data, and our attention to detail in the mod verification process has resulted in significant savings for our clients. We’ve helped clients save points on their experience modification factor by verifying the accuracy of the reported data and identifying any applicable rules for re-filing claims.
Claims are an unfortunate reality, but we see them as an opportunity to be your advocate. Our claims managers are ready to go to bat for your organization, leveraging their years of experience, key relationships, and strategic approach to support you throughout the process.
You have enough on your plate. Let us make compliance one less thing you have to worry about. We’ve put together a team of senior compliance attorneys that conducts research on regulatory and legislative issues that affect your business, including FMLA, STD, OSHA, DOT, and Life Safety, and breaks them down into plain, easy to understand language to keep you compliant. Have a need for contract review? We’ve got you covered there too.
Managing Fiduciary Risk
401(k) fiduciary lawsuits are increasing across the nation, presenting a personal risk for business owners and senior leadership. M3’s in-house consultants are prepared to help mitigate those risks and make your organization’s retirement plans a celebrated benefit, not a cause for concern.
While many plan sponsors hire fiduciaries to assist with plan management, simply hiring a fiduciary is not enough to protect you. Our retirement plan consultants provide critical fiduciary management processes such as a fiduciary charter, investment policy statement, conflict-of-interest analysis, and documentation that is critical to mitigate fiduciary risk.
Local Roots with a Wide Reach
M3 is a member of RiskProNet International, a network of leading independent insurance agents/brokers in North America. Through this membership, M3 leverages experience, expertise, and relationships to share information and best practices with fellow insurance professionals so we can serve our clients even better.
Multinational organizations face complex challenges in today’s global marketplace. M3’s director of international practice, Jim Yeager, works with our international partners, unisonSteadfast and Euribron, to provide creative solutions to clients with international exposures, ensuring alignment with cultural, language, and legal requirements.