YOU NEED A RISK AND INSURANCE ADVISER IF:

1. You don't feel you have control over the increasing cost of your insurance program.

2. Your insurance program hasn't been competitively bid in the last three years.

3. You are within 60 days of your program renewal date and don't have a firm written proposal from your broker.

4. You're not comfortable that you understand your risks and whether you are covered for them.

5. You're actively involved in acquisitions or divestitures.

6. You're in a rapidly changing business.

7. Your company is growing rapidly.

8. You haven't managed the flows of liabilities via contracts with customers, partners, subcontractors, etc.

9. You are in a turnaround mode.

10. You want to outsource your risk management so you can focus on your core business.