Built upon a tradition of integrity, industry leadership, and excellence, Fred Brown Property & Casualty has been providing insurance and loss control consulting services to the business community for many years. We are committed to delivering tailored risk management solutions with thoughtful strategic planning, valuable professional services, and technology-based solutions to our valued clients. Our staff of experienced insurance professionals can develop programs that make sense for your company and your employees. We have experienced professionals in all lines of property and casualty coverage, with the experience and know-how to keep your programs running smoothly and your employee’s safe.
When needed, we employ the services of professional actuaries to assist with calculations critical to your insurance plans. We go beyond standard solutions and deliver the maximum value for your hard-earned dollar.
Fred Brown Property & Casualty will help you tackle your mounting risk management challenges. With strategic planning and thorough understanding of your objectives, we provide custom policies and procedures that will help your employees understand the need for and the benefits of working in a safe work environment. We can help you with a loss control needs analysis, as well as the implementation and monitoring of each program deemed necessary. We will assist in all phases of the process, from employee meetings to payroll stuffers and informative brochures about loss control and employee participation.
Using historical claims data from your carrier, our Internet-based mod analysis system analyzes your data and shows how and where to adjust your policy design to save money. Understanding your loss drivers enables us to help you implement appropriate loss control measures.
We pride ourselves on the level of knowledge and service we bring to our clients. Each client works with a single point-of-contact, making working with us seamless and easy.
Many business owners see workers’ compensation insurance as a necessary cost of doing business, or a tax, and nothing more. Oftentimes, these business owners don’t recognize the competitive advantage available to them by working proactively to reduce their workers’ comp premiums and the costs of losses. Fred Brown Property & Casualty wants to help you achieve this lead against your competition. The amount you pay for workers’ comp premiums is based on a rating of loss history called your experience modification factor, or mod. Almost every business has room to improve their mod and, in turn, reduce cost on their premium. At Fred Brown Property & Casualty, we deliver complete mod analysis to identify what losses are affecting your current mod rating, the lowest your mod could be and the amount of money in between the two that you could be saving. We can pinpoint cost drivers, such as frequency or severity, and develop specialized loss control solutions to address your business’s specific needs.
In addition to our own talented professionals and specialized value-added services, we have a wealth of resources available to us through several national affiliations.
Our personalized website allows you to easily connect and communicate with our agency. Logon and you’ll discover a variety of online risk management resource tailored to your unique needs, including:
Using advanced technology and consulting expertise, we provide a variety of value-added professional services to our clients. These services reduce customer costs, increase efficiency, and improve our client satisfaction — bringing your risk management program to new heights in quality and performance. Can your current broker say the same?
We recognize that many employers are seeking a more effective and efficient means of developing and communicating important safety information to their employees. Today, technology-based systems are forging the way toward improved communications, increased productivity, streamlined processes, and saved money for safety and risk management departments. Fred Brown Property & Casualty can offer you that support.
We have the tools available to assist our clients in getting the most out of their safety committee. Time is money, and these tools, coupled with our professional input, allow you to get the most out of the time you ask from your committee members.
We will develop a customized strategic plan for you that defines your objectives and outlines the actions needed to fulfill those objectives. Our strategic planning services ensure an organized, complete approach to fulfilling your insurance needs.
Leading-edge technology lets us provide our customers with the latest data analysis, legislative news, communication resources, and online services.
Cost of risk is ultimately driven by several components of your entire risk management program and business operations. By understanding those components and how they are affected, we can apply our expertise to control and reduce your total cost of risk. Using our technology solutions, we can improve your total cost of risk and ultimately your bottom-line performance.