The Ignored Opportunity to Lower Frequency and Severity.

Work with Insurers’ Underwriting and Claims departments to establish availability of immediate post-incident response services, resulting in improved frequency and severity outcomes.

Rhulen Specialty:

• 24/7 hotline for insureds to report an incident that occurred involving severe injuries/death as well as a circumstance that they believe could result in severe harm to critical assets: people, brand, reputation, finances, property, etc.

• Retain legal counsel to cloak attorney client privilege and hire investigator when needed to obtain witness statements, surveillance files, police reports, etc.

• Reach out to victims/families immediately to triage and support their needs prior to them hiring counsel.

• Make recommendations to claim department re: covering of expenses related to counselling, medical, funeral, travel/accommodations for family.

• Crisis Management/Communications Support.

The benefits that flowed to the Insurer Included:

• Good will with insured due to assistance provided to them with decisions, actions and communications.

• Good will with victims/families as a result of immediate outreach and offering of support, resulting in de-escalation of anger and blame which impact severity.

• Good will with employees who feel supported, reducing turn-over.

• More rapid re-opening of insured’s business.

• Preservation of evidence and obtaining of witness accounts before they disappear.•Cloaking of attorney client privilege around investigation.

• Severity reduced in settlement outcomes.