Risk Management and Insurance Consulting Services

The Vendor is required to provide the county and school board in connection with the risk management program.
- Insurance Document and Certificate of Insurance (COI) Review
•    Review Certificates of Insurance and other insurance documentation submitted by vendors, contractors, service providers, and other third parties on an as-needed basis.
•    Verify compliance with County and School Board requirements, including coverage types, limits, endorsements, additional insured status, and notice provisions.
•    Identify deficiencies or exceptions and work directly with vendors, providers, and their insurance agents or carriers to obtain required corrections.
•    Advise County and School Board staff regarding risk implications and appropriate corrective actions.
- Contract Insurance Requirements and Risk Transfer
•    Review and evaluate insurance requirements included in contracts, agreements, solicitations, and procurement documents.
•    Assess the adequacy and appropriateness of coverage types, limits, and endorsements based on the nature and risk profile of the services or project.
•    Draft, revise, and recommend insurance-related contractual language to ensure effective risk transfer and the greatest practical protection for the County and School Board.
•    Provide guidance on industry best practices for insurance, subrogation, and indemnification provisions.
- Independent Liaison and Coverage Advisory
•    Serve as an independent liaison between the County/School Board and insurance carriers, brokers, third-party administrators (TPAs), risk pools, and other insurance service providers.
•    Assist management in resolving coverage questions, disputes, or claims-related issues, including interpretation of policy provisions and conditions.
•    Provide technical insurance guidance within the scope of consulting services, without rendering legal advice.
- Loss History Analysis
•    Review and analyze historical loss and claims data.
•    Identify trends, high-frequency or high-severity exposures, and underlying risk drivers.
•    Provide written summaries and recommendations to reduce loss frequency and severity.
- Loss Control and Risk Management Evaluation
•    Review existing safety, loss control, and risk management policies, programs, and procedures.
•    Evaluate program effectiveness and identify gaps or areas of exposure.
•    Recommend practical, actionable improvements to strengthen risk management performance.