It’s Not Just What We Do, It’s How We Do It.
Sure, we work with clients in a wide range of industries. And yes, we serve everything from publicly traded companies and privately held corporations to public
entities, municipalities and not-for-profit organizations. But while we may have experience with someone similar to you, we know that your needs are unique.
That’s why we won’t give you a lone representative. Instead, you’ll get an entire team of specialists. You’ll see us on-site, evaluating your
needs and showing you how to protect yourself, your employees and your bottom line. With The Holmes Organisation, you’ll get more than experts in a variety
of practices, you’ll get a partner who will become an expert on you.
Risk Management
Our risk management clients typically have revenues in the billions, assets located around the world, and claims generally in excess of $1MM per year.
With former risk managers and other experts on our team, we provide superior customized solutions, delivering low-friction alternative risk financing
and administration with program structures including:
- Self-insurance and re-insurance
- Deductibles and retrospective rated contracts
- Captive and risk retention groups
- Risk management auditing and consulting
Fully Insured & Commercial Middle Market
For clients not able to take advantage of alternative risk programs, we can educate and consult on the best practices used by larger corporations. It is
an absolute fact that insurance pricing is cheaper for those who have the best risk management programs in place. We can help you get there by auditing
your current program, establishing a baseline Risk Profile Index, and then implementing strategies to improve your program and lower your costs.
Surety
We specialize in contract and commercial surety with a variety of products ranging from:
- Commercial surety bonds
- Construction and payment/performance bonds
- Blanket commercial programs for regulatory compliance/taxation
- International payment guarantees
- Court administration bonds
Claims Administration & Subrogation
The objective of insurance company claims personnel are not always the same as our clients. The more claims you have, the bigger the problem becomes. We
can help. For our self-insured clients, we seek out and vet the most talented administration firms or, when appropriate, assist you with taking your claims
in-house. For our fully insured clients, we provide support and expertise similar to what our larger clients enjoy, helping to bridge the gap between you and
the insurance company claims professionals.
Contact our claims department at claims@theholmesorg.com.
International Insurance
We have clients with assets and revenues on all points of the globe ... and we deliver the expertise to manage the risks that brings. Whether we are placing a
global master program or managing a locally administered program in a foreign country, we have the knowledge to assess and implement the most efficient and
legal structure for you.
Self-Insurance / Stop Loss Contracts
At Holmes, self-insured clients enjoy the most efficient programs coupled with strong risk mitigation techniques to slow down the ever-increasing cost of medical
insurance. We can provide actuarial services, bill consolidation, fully staffed on-site electronic enrollments, doctors on site and a host of other items to stem
the tide of rate increases and to smooth the complicated process of managing employees’ benefits.
Fully Insured
For our fully-insured clients, we offer a suite of benefits, wellness and HR solutions. We provide the best long-term value through our consultative and diagnostic
approach and our ability to truly understand your risk. Our process identifies the most competitive plan design and premium coupled with the HR support to help you
administer your employee benefits.
HR Consulting
Our experts can simplify the complexities of benefits and employment administration. From compliance to communication, our HR-related articles, employee handbooks,
employee communications, forms, benefit statements and network of HR professionals will help you remain an employer of choice.
Wellness Programs
We are passionately committed to lowering risks and costs for our clients. Research and experience has shown that a proactive approach to employee wellness can
help accomplish just that. Our Health & Wellness practice can evaluate your needs and demonstrate a variety of programs
that can be implemented at relatively low cost but can produce tremendous productivity and savings.
Pension Management
Under ERISA, employers are generally fiduciaries of their retirement plans and are required to operate the plan solely in the best interest of participants,
prudently select investments, avoid conflicts of interest, and monitor investment options on an ongoing basis. With decades of pensions management experience
on our team, The Holmes Organisation can help you do just that by:
- Offering a fully diversified menu of investment options
- Selecting investments as a truly objective third party, eliminating or mitigating potential conflicts of interest
- Providing ongoing monitoring of investment options
- Recommending additional or replacement investment options
- Reducing your fiduciary responsibility
- Conducting employee education and enrollment meetings, both in group and one-on-one settings
- Pairing you with competent program administrators
Voluntary Benefits
The path to the most comprehensive and competitive benefit package is to include voluntary benefits. The best way to offer these ancillary items is with an
efficient enrollment process. Let our voluntary team show you how we can efficiently manage these valuable contracts regardless of your number of employees
or locations.
Personal Insurance
Our in-depth corporate experience and risk mitigation philosophy have a positive impact on our personal lines. We go beyond just coverage limits on your house,
often joining insurance with loss control measures. In fact, we employ the same executive level standards our billion-dollar clients receive to help you protect
your valuable assets and investments from all types of loss, including wind, hail, fire or liability issues.