Haywood and Fleming Associates Specializes in Insurance and Risk Management Solutions for Today's Age and Tomorrow's Time. Haywood and Fleming Associates is a leading independent insurance agency located in Gary, Indiana. During our years of growth, we have developed considerable experience in serving the insurance and risk management needs of large and complex commercial accounts. During this period, we have developed into a superior service provider for prominent private and public sector clients located in Northwest Indiana, Chicago and the suburbs.
Services
Review of Current Schedule of Benefits: We develop wellness an cost sharing/savings opportunities. Employee Benefits/Cobra Administration: We provide assistance in managing various healthcare items via outsourcing. Education: We conduct meetings with your employees to communicate the value and use of their benefits.
Negotiate annual renewal of coverage from carriers for Health, Major Medical, Prescription Drug, Dental, Life, Short and Long Term Disability, EAP and Vision coverage. Seek competitive quotes from other health benefit carriers and provide advice and recommendation for consideration. Analyze and review all health benefit carrier proposed settlements, claims history, group utilization, reserves, claims processing, and other plan costs and expenses to provide information and recommendations.Assisting in settling claims or grievances relating to insurance benefits issues.
Once risks have been identified, they must then be assessed as to their potential severity of loss and to the probability of occurrence. These quantities can be either simple to measure, in the case of the value of a lost building, or impossible to know for sure in the case of the probability of an unlikely event occurring.
Support you by helping to identify, assess, and prioritize the risk, which will ultimately control the probability and/or the impact of unfortunate events. Once establishing the context, the next step in the process of managing risk is to identify potential risks. Risks are about events that, when triggered, cause problems.
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