Risk Management and Insurance Brokerage Services

COMPLEX CASUALTY CAPABILITIES

Prior to placing a program, our Casualty Team utilizes a suite of analytical tools such as

loss analyses and forecasts, outstanding collateral analyses and net present value/cash

flow analyses to support all of your program options and decisions. After a program is

placed, we implement the ZOOM® process to focus on driving down your claim costs.

ZOOM® is Beecher Carlson’s patent pending business process that combines the science

of predictive analytics and data mining with hands-on claims consulting and loss control

engineering expertise. Risk management and claims professionals are often plagued

with reports, analytics, data sets, loss runs, actuarial reports, etc. from multiple sources.

ZOOM® cuts through the clutter and provides focused actions that will result in reducing

your loss costs every year.

What is the ZOOM®process?

Innovative companies don’t look for trends. They create them.

2 3Information to zoom

in on the 20% of

losses and claims

management processes

which produce 80% of

your TCOR

A comprehensive

business plan that

creates efficiencies,

provides additional

team resources and

measures improvement1A process that

identifies and

diagnoses adverse

retained loss trends

and processes

Allow Beecher Carlson to develop a tailored solution based on your loss

profile and data analyses to reduce your Total Cost of Risk. Call us today at

1.800.657.0243 or email us at zoominfo@beechercarlson.com.

Beecher Carlson is recognized as the alternative to a traditional, transactional brokerage firm. ZOOM® focuses on weekly, monthly and quarterly strategies to attack and reduce your Total Cost of Risk. After a deep analysis of your business, we provide statistically valid evidence to eliminate the “noise” and identify the most meaningful opportunities for improvement. We create a framework and tailored action plan to reduce your greatest cost of risk in each of the four categories below.

The ZOOM® process not only drives down your Total Cost of Risk, but also has culminated in premium credits, accelerated collateral reduction and enhanced marketing submissions. ZOOM® eradicates high dollar legacy claims and then deploys process improvements to mitigate future generation claims. For example, our clients have seen significant reductions in their loss rates ranging from 10% to 60%. Additionally, ZOOM® combats adverse market trends such as looming casualty market corrections, medical cost inflation, increased claim severity and duration.

At Beecher Carlson, we strive to develop new and better technologies and approaches that support your business requirements and drive operational excellence. We identify the factors bearing on how each decision will affect your business. The result is evidence-based information that helps you understand and address the causes of risk within your organization.

Recent Claims Focus: Claims over the past 24 months

Historical Claims Focus: Claims 24 months

and older

Prospective Claims Focus: Providing data to drive loss

control efforts

Recognized.

New Claims Focus: New claims as

they are reported

COMPLEX CASUALTY CAPABILITIES

800.657.0243 beechercarlson.com

O OZ M