Risk management minimizes exposure to loss and saves on premiums.

Our Risk Management Services are directed at reducing your losses, which are the primary drivers of your insurance premiums. Our services focus on providing technical consultation directed at preventing and mitigating losses for our valued clients. Rose & Kiernan, Inc. has professional in-house Risk Management services to provide our clients with appropriate levels of loss prevention assistance, often in combination with the carrier’s services. We establish specific service initiatives in cooperation with your management team at the beginning of your policy year to help your business achieve its operational and financial objectives. Unlike other brokerage firms which maintain separate risk management/loss control profit centers, Rose & Kiernan’s services do not function as a distinct profit center removed from our core business. Our professionals provide years of experience and knowledge necessary to help you focus on reducing exposure to loss, improving your risk characteristics assessed by the insurance marketplace with the objective of lowering your businesses ultimate cost of risk transfer and financing.

Risk Management Services:


  • Property Risk Consulting
  • Advocating for clients with insurance carrier recommendations
  • Valuation Services to determine proper Insurance to Value
  • Infrared Services, scanning for electrical hot spots that can lead to fire losses
  • Business Continuity Planning and Consulting
  • Facility Inspections and Reports for critical risk identification
  • Pre-Market surveys to accurately present your exposures to the insurance marketplace
  • ISO Report Review (ISO is a property insurance rating organization)

Workers' Compensation Consultation

  • Experience Modification Rating (EMR) Reduction Consultation Services
  • Accident Investigation Training
  • Assistance with OSHA compliance and response issues
  • OSHA 10-hour Construction Outreach program
  • Construction Site visits and Construction Safety Management consulting
  • Claim and Reserve Reviews
  • Ergonomic Evaluations
  • Safety Committee Development/Consulting

Fleet Risk Management

  • Fleet Safety Program Development/Consulting
  • Fleet Training
  • Access to Fleet Resources