We Don’t Simply Sell Insurance. We Go Beyond.
We’re not interested in a three-month flurry of activity before your insurance program renewal. We work with you year-round, diving deep, learning your
business, fixing problems — all to make sure the underwriter doesn’t surprise you with what he finds. By helping you change behaviors at your
workplace throughout the year, we help lower your renewal premiums, lower absences and medical costs, while increasing morale and individual productivity.
The Holmes Organisation employs a proprietary methodology called Beyond Insurance®. This is an ongoing process that helps us identify, address and manage
your risks dynamically, as they change. More than insuring you, this helps protect you, letting you manage risks so you have fewer claims and lower insurance costs.
The Risk Management Evolution Pyramid
All organizations can be characterized by where they are on the continuum of risk management. The Holmes Organisation can identify your position in the
pyramid and offer proven strategies to take you to the level that best suits your business needs.
1. Commodity Insurance Buying
A non-specialized person seeks insurance, basing the decision on price alone.
2. Insurance Management
We begin to identify risks and match them to basic coverage such as property, liability and employee injury.
3. Risk Management
Emphasis shifts to risk control and alternative risk financing as it becomes clear this is the solution for long-term cost control.
4. Extended Risk Management
A dedicated risk manager, often from broker as an outsourced position, explores more areas not traditionally related to insurance including I.T., security, business continuity and environmental issues.
5. Enterprise Risk Management
A dedicated risk manager applies a formal, systematic approach with a common framework, expanding communication and elevating risk management issues to a high priority for the entire company.
6. Opportunity Risk Management
A continued focus on risk/return measures to differentiate between opportunities, including organized, structured communication between groups.
7. Cultural Opportunity Risk Management
Risk and opportunity management is assimilated throughout an organization to the point where all decisions and opportunities explicitly consider risk.