The best risk management programs begin well before an insurance policy is bound. Darwin engages in risk assessments and loss control audits as an integral component of our underwriting process. We start with developing appropriate risk management and risk transfer mechanisms that guide the underwriting process and subsequent risk management efforts following policy inception.

This approach ensures that Darwin fully understands its customers and their operations. Equally important, it allows a potential client the opportunity to see the scope of commitment and service that Darwin brings to the partnership with its policyholders. Depending on the complexity of the client’s operations, Darwin may perform an underwriting pre-bind risk assessment. Typically, these are conducted in one or more of the following ways:

Immediately after insurance coverage is bound, the client’s dedicated risk management consultant schedules a risk management installation meeting. During this meeting a risk management service plan for the policy year is jointly developed. Plan implementation follows with a combination of client services geared towards the unique characteristics of each client.