Advisory Relationship

Cothrom’s services aren’t for everyone. Some businesses are only looking at the cost of their insurance premium tomorrow. A dozen other agencies will bid for your business today.

What is on your list of most important values for an insurance broker? Any agent can send you an insurance quote, but only a few brokers can help you focus on profitability within risk. It is time to work with an advisor at Cothrom.

Move Margins

Insurance is only a portion of your total cost of risk. Partnering with Cothrom will allow you to address the entire cost of risk.

Our advisors will challenge you to see new and different methods to control your risk expenses. The cost reductions you experience will be greater than addressing insurance alone.

Make a larger impact on your profit margins as a result of addressing risk with an advisor from Cothrom.

Measurable Results

Safety programs are important! How are they important? How much will implementing a safety program save us?

Today’s tools, such as insurance analytics, can help solve the problem of fuzzy savings by delivering a clear financial picture.

The strength of risk management is the reduction of future losses and expenses. Cothrom’s skill is in helping you quantify the expected return on your investment in risk management.


Risk management encompasses more than just a safety program. Cothrom helps our clients manage risk through:

  • Loss Control & Safety Programs
  • Claims Management
  • Work Comp Analysis
  • Contractual Risk Transfer
  • Insurance Analytics
  • Actuarial Services

Risk Management Services

Managing risk starts here. Surprisingly, few agents truly provide a quality review of your current program and risks. It’s not what’s covered, but rather, what’s NOT covered that you are worried about. Our insight is clear, and easily contrastable; a great place to start.

Most claims work smoothly and the insurance company is proactive and helpful. However, as an insured you may not realize the full extent of the loss on your business. You may have access to services and indemnity you didn’t realize were available. Cothrom is there to assist and help you understand the benefits of your policy.

Complex industries and risk bring complex claims. Although the best method of ensuring coverage rests in quality design of the insurance contract, the intricacies of litigation can lead to disputes in coverage. We are here to help you understand the issues at hand. We work on your behalf to reach a favorable coverage settlement.

For some, contractual risk transfer means the assumption of liability and an increase in threat to their cash flow and balance sheet. For others, there is ample opportunity to reduce threat to the business by transferring risk downstream. And finally, there are those for whom contractual risk transfer cuts both ways.

Insurance is an expensive method of addressing threats to your financial stability compared to contractual transfer. Let us help you understand where you can improve your financial security without added cost to your budget.

Cothrom does not offer legal advice. Cothrom provides an understanding of how insurance may respond to your contractual obligations and provides discussion points for you to address with your attorney.

Most businesses have reviewed and implemented various loss control safety procedures. Although they are certainly a key component of good work comp risk management, let us show you other methods to impact the severity of your claims.

Strong and consistent claims management support, separate from the carrier, will ensure your employees receive efficient medical care and return them to productivity as quickly as possible. It will also limit the ability of fraudulent claimants to take advantage of the system.

Cyber policies include significant duties when a cyber event occurs. Does your IT department understand those responsibilities? These policies also come with resources that an IT department can use to provide services without having to increase your budget. Cothrom will help bring stakeholders together to implement a cohesive cyber response plan.

Our best fit are growth oriented companies who are transitioning from buying insurance to a strategic approach to addressing risk. As their risk management grows and matures, we help them evolve through large deductible / captive feasibility studies. Already there, but not sure your insurance company or captive has provided the unbiased data you need? We’re glad to help you take an independent look at retaining risk.

Whether the world is getting smaller or technology’s reach allows for longer reach, more businesses need to address risk from a global footprint. Starting with helping you meet foreign compulsory insurance requirements and following through to a cohesive global design, Cothrom (and its global TechAssure partners) will provide you peace of mind when addressing global threats.

Group benefit plans can get an employer in hot water considering the numerous statutes and governmental agencies which oversee them. Cothrom can assist you in ensuring you are compliant with:

  • ACA
  • FMLA
  • IRS
  • DOL