One of the most valuable services we provide clients in this industry is a Pre Loss Analysis whereby we do a business interruption calculation prior to a loss to test the coverage limits and triggers to ascertain how accurate it is if a sizable loss truly occurred. We have found that 98% of businesses are vastly under insured for business interruption when we actually did the pre loss calculations.
We Specialize in Managing Risk in the Food & Beverage Industry
The food and beverage sector faces a unique set of risks on a daily basis. You don’t need a general insurance broker to handle them, you need a partner who understands not only the risks of your industry but of your unique business. From contamination, to product recalls, to workplace safety and managing your fleet. These are just some of the issues you face and over the years we have developed an in-depth expertise that far exceeds our competitors’ in managing the unique risks for businesses in:
- Food & Beverage Distribution
- Food & Beverage Manufacturing
- Grocery Stores
We are not your typical insurance broker. The secret’s out….. anyone can shop your insurance policy! We use risk management to tackle your biggest challenges, reducing your total cost of risk. Once our protocols are in place we bring you to the insurance carrier to reap the benefit of a truly lower insurance expense. Most insurance brokers treat the symptom but we treat the disease. Here are our solves for some of the food & beverage industry’s biggest risk challenges:
If you work with us you know the effect a high experience mod has on your business. It’s your job to keep your employees safe. But our COMP CARE loss control specialists can show you how. We will review and analyze your operations, train management and staff, and monitor progress. You will also get access to our workers comp claims advocates who will work feverishly to compress the size of your business’s claims. Finally we will search for audit & premium recovery opportunities up to 3 years back.
For distributors, our fleet safety management is essential. It covers the entire driver life cycle (pre-hire, on the road monitoring, corrective training) to identify and change the behavior of high risk drivers.
These tools are just a small sample of what we can do for you as we truly analyze businesses on a case by case basis. When it comes down to it when you hire Met Risk you get a partner you can trust. Now ask yourself, what is your broker doing for you? Then contact a Risk Advisor today.
For more on our Fleet Safety Program, click here.
The food & beverage industry has one of the highest turnover rates of any industry. The need for an in-house human resources professional is there, yet so many businesses fail to have one. Even those that do could use support. That’s why we offer our clients in this industry ThinkHR which is a powerful and effective way to make quick, accurate and intelligent decisions when it comes to HR situations. Now you can experience what businesses across the country are calling the best HR resource they’ve ever used, including advice and guidance from real live HR professionals.
Why do we do this? Over the years consulting with many organizations we learned that much of the high cost of employee injuries can be mitigated through proper hiring and on-boarding techniques.
For more on our smart, web-based ThinkHR program, click here.
“We were so lucky that all of our insurance moved to Metropolitan Risk before Sandy hit. Their claims team was literally on site within hours, taking us through each and every step—like a member of the family. At that awful time, when we felt so vulnerable, it helped tremendously to know that we had Mike in our corner. It sounds corny, but he really cared.
We had no idea how much better protected we were until the checks came through (at breakneck speed) and realized it was twice what we would have gotten from the previous coverage. They knew what we needed better than we did. You cannot go wrong with the folks at Met Risk.”