The Patria Company: Risk Management

There are many uncertainties in life, and even more prevalent in today’s society. Protecting your financial security and emotional well-being has never been more important. Are you prepared for life’s unexpected events? While we may not be able to predict the future, we can certainly have a contingency plan that will offer a great deal of comfort. Building a foundation of security through your insurance policies is important task that can provide financial security in the event of an emergency.

Steve Wilson, Director of Risk Analysis

As your Insurance Specialist, I will share my years of experience and practical knowledge, enabling you to make informed decisions and to develop the best insurance program for you and your family. I am involved every step of the way, from our very first conversation to reviewing your policies as your lifestyle changes and your business grows.

I believe that our success lies in striving to be anything but a stereotypical agency focused on a “sale” -rather building a real relationship as a trusted advisor, a friend, and an ally. Our clients’ satisfaction is the way we measure success. If you ever need to speak to me, I’m a phone call, email, or text message away. I look forward to serving you and your needs, and providing you with a lifetime of security.

The most common definition of Risk Analysis typically relates to mathematical calculations on the probability of certain activities going awry. More sophisticated methods were introduced to calculate maximum possible losses (MPL) and estimated maximum losses (EML), and increasing expenditure was devoted to sophisticated fire protection systems and the use of highly protected risk (HPR) standards for new properties. These activities were primarily related to more effective Commercial Insurance buying linked with the introduction of much greater self-insurance, in the form of deductibles and the establishment of captive insurance companies.

Our approach to Risk Analysis and Risk Management has been refined over the years. It relies less on mathematics and much more on experience as business owners to identify potential exposures and gaps in coverage. We have earned an astute reputation for negotiation, harvesting for our clients the best terms and conditions in the design and implementation of insurance programs to help protect against loss.