Cavignac & Associates is an independent commercial insurance brokerage that manages risk and negotiates insurance on behalf of its clients.
Our objective is to lower our clients Total Cost of Risk and drive dollars to their bottom line.
We accomplish this by using our unique Risk Management Process.
- Risk Analysis – Risk analysis involves a systematic review of exposures to loss and your existing insurance program. This process is based on our Exposure Analysis Checklist and the related materials required to help identify exposures to loss.
- Risk Control – Once risk is indentified, we collectively agree on the Risk Control techniques best suited to help reduce the frequency and severity of these risks. We indentify the most effective techniques through a series of questionnaires, risk control inspections, and a review of current risk control strategies.
- Risk Transfer – After the risk is indentified and Risk Control strategies are agreed upon, is it time to evaluate both non-insurance risk transfer (usually contractual) and insurance risk transfer. This involves preparation of the submission as well as deciding on a marketing strategy. The objective is to place appropriate coverage with the right insurance company, at the lowest realistic cost.
- Risk Review and Refinement – The Risk Management Process is a work in progress. It is constantly evolving based on the changing needs of each business. We continue to refine our strategies and stay on top of changes in your company so that we can proactively manage you Total Cost of Risk.
Our group of risk management and insurance professionals is committed to working with our clients to effectively manage risk, negotiate insurance, and provide a level of service unmatched by our competitors.