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.
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.
Business Insurance Captives
Captive programs let you take control of your business insurance costs and hone your risk management strategy to fit your organization’s specific needs. Brad Reitzner leads M3’s business insurance captive practice, staying on top of inventive initiatives coming out of this sector to keep our clients at the forefront of this alternative insurance program.
Cyber Liability
It’s not a matter of “if”, but “when”. M3 staffs internal cyber liability experts, Derek Laczniak and Emily Selck, 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 your organization is covered when a cyber-attack strikes.
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
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 Management
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.
Litigation Management
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.
