RISK-ex Global is a leading insurance and risk management consulting firm that helps organizations and individuals meet their essential employee benefit and insurance requirements.  Our focus is providing our clients with the clarity to make informed benefit and insurance decisions in a complex environment while assisting you to allocate resources most cost effectively.

MUNICIPAL BENEFIT CONSULTING – With a deep understanding of local government and union dynamics we work with cities, towns and counties to design and develop cost effective health insurance programs that meet both budgetary requirements and the Affordable Care Act – including pending Excise or “Cadillac” tax liabilities.  Our proprietary Request for Proposal Package provides local governments with a comprehensive review of their primary insurance markets both within and outside association based plans.  Actuarial services can model plans that best arbitrage pricing policies of insurers.
   
MUNICIPAL PROPERTY & CASUALTY INSURANCE CONSULTING – Our cost effective and fully transparent Request for Proposal Package provides local government with a comprehensive review of their primary insurance markets both within and outside association plans.  Combined with risk retention analysis we can ensure your insurance dollars are allocated properly.

EMERGING RISK CONSULTING – Insurance coverage tends to severely lag behind the emerging risks faced by many businesses.  Cyberliability and reputational threats now may pose a greater risk to your business than traditional liability or property risks.   We’ll work with you to uncover and fully understand the emerging risks facing your business and recommend solutions to protect your organization.

HIGH NET WORTH RISK ANALYSIS AND INSURANCE REVIEW – Family corporations and high net worth individuals face increased liability risks and typically have unique property coverage requirements.  We work with you and your insurance advisor to provide the comprehensive coverage and limits necessary while determining recommended retention levels.