Property & 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.
Key Insights.
Risk Trends.
The M3 2025 Pulse Report.
Through the lens of rate and risk, we examine how the property & casualty market is affecting our clients across industries, and what risks we are predicting will be a focus throughout 2025.
Specializing to Serve You Better
Broker Analytics
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
M3’s Mod Verification Saves Clients Millions
We take 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.
Experienced with ESOPs
As a company that offers an Employee Stock Ownership Plan (ESOP), you have access to a range of valuable benefits. ESOPs serve as effective instruments of growth and provide a competitive edge for your employees. However, it is important to be aware of potential challenges, such as those related to insurance coverage.
M3’s team of ESOP specialists serve as knowledgeable advisors, offering guidance for your coverage requirements, compliance concerns, and placement within the insurance marketplace.
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.
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
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.
