Risk Management Process

The RMP is a four-step process used by BKCW to identify, understand, implement and monitor risk management strategies for you and your business. Here, we briefly examine those four steps.


Identify Exposures

During this crucial initial phase, we invest the time to understand every facet of your business in order to help you and your team identify the risks that face your business. We assure that your assets receive precisely the right type of protection.


Tour of Facilities

Employee Interviews

Wellness Survey

Claims/Utilization Analysis

Risk Management/Safety

And More…


Define Strategies to Handle Risk

Once we have developed a thorough understanding of your business, including your industry, corporate culture and operating procedures, we move beyond insurance, exploring a spectrum of proven alternative strategies to minimize risk and reduce insurance costs.


Risk Minimization

Contractual Transfer of Risk

Wellness Survey

Retention of Risk

Policies/Procedures and Controls



Implementation of Programs

During the implementation process, we put in place specially tailored programs and strategies designed to protect your assets while reducing insurance costs. A strong belief in our process motivates underwriters to offer much lower insurance costs on your behalf.


Action Plans

Tailored Programs



Claims Management

Results Oriented Strategies


Monitor Plan

You and your business are dynamic – what works for your today might not work as well tomorrow, For this reason, we continue to monitor and adjust your risk management programs to ensure a perfect fit as your business evolves and changes.


Legislative Updates

Claims Reviews

Employee Benefits Service Plans

Pre-renewal Strategy Sessions

HR & Employment Practices Audits

Stewardship Review