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Risk Management Solutions

Get with a team that will help you reduce your risk and your premiums.


Risk Advocates

Our risk advocates assist your safety and human resources teams with risk management and risk mitigation solutions. Your dedicated advocate walks alongside you to implement our proprietary RiskScore® solutions. Tools and services include our Learning Management System, which is designed to create consistent, constant, and effective delivery of training to your employees. Our transparent general liability, property, auto, and workers compensation claims management system allows trend analysis and life of claim monitoring to mitigate and prevent future losses.

Risk Management Training

We provide monthly employer education training via webinars on a variety of topics, including OSHA, safety, human resources, and team building exercises . Our producer-lead PX4 implementation assistance also will guide you in focusing on the areas best matched to your needs.

Need a resource? We provide access and the ability to quickly search our resource library with state-specific claims kits (as available), payroll stuffers with accident disclaimers, industry-specific training resources, and more.

Human Resources Management

We work to ensure your business is in compliance with all state and federal employment regulations. Your IOA advocates review and develop employment policies and procedures to help you hire and retain happy employees and eliminate financial exposures. We’re there when you need someone to answer questions and provide you with a prompt and accurate response.

Resource Library
  • OSHA record-keeping compliance
  • Access thousands of compliance, human resources, employee benefits, wellness, risk management, safety, and workers compensation resources
  • Access to benchmarking and an online forum for health care reform, COBRA, HIPAA, FMLA, employment laws, state-specific information, and more.
  • Quarterly and annual stewardship reports provide evidence of your organization’s improved safety practices and claims management as a result of the RiskScore program.
  • 24/7 access to policies, certifications, requests for policy changes, and maintenance and management of certificates via our IOA 365 portal.
RiskScore Benefits
Our RiskScore tool alone has delivered significant results for our clients:

  • Cable company: 92% reduction in claims severity and an 86% reduction in claims frequency.
  • Hospitality group: Savings of over $530k in just four years.
  • College university: 92% reduction in claims severity and a 57% reduction in claims frequency.
  • Pizza delivery company: Reduction in its Mod at .11, equaling $54k premium reduction.
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