Property Insurance | Business Insurance | Risk Management M3 Insurance

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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

RiskProNet Logo

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.

International Experience

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.

Management Liability

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
Woman conducting a safety audit

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.

 LEARN MORE About Paul Klein

Director of Disaster Response & Recovery

Chris Halverson, M3’s Director of Disaster 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.

Actuarial Science + Data Analytics

Leverage our data analysis team, led by Cullen Maricque, Senior Actuary & Data Scientist, 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.

SEE MOD VERIFICATION RESULTS

Analyzing Data

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.

ACCESS Client CASE STUDIES

Office Building

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.

Wisconsin Supreme Court

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.

Learn More About M3 Financial Services

business people analyzing data