Robert M. Currey & Associates - Corporate Risk Management and Commercial Insurance Advisors
corporate risk management, commercial insurance, commercial liability insurance, commercial property insurance, contractor liability insurance, contractual liability, director officer liability insurance, emergency response planning , environmental liability insurance, independent insurance, financial risk management, general liability insurance, insurance advisor, insurance claim management, insurance consultant, liability insurance, loss control, property and casualty insurance, risk management, risk management alternative, risk management consultant, risk management insurance, risk management plan, risk management program, risk management services, risk management solution, robert currey, robert m. currey, boston, MA Home Page - Robert M. Currey & Associates Our Focus - Independent Advice Risk Management Advisory and Insurance Consulting Services Our Clients About Robert M. Currey & Associates Contact Us
Robert M. Currey & Associates - Corporate Risk Management and Commercial Insurance Advisors
Robert M. Currey & Associates - Corporate Risk Management and Commercial Insurance Advisors
corporate risk management, commercial insurance, commercial liability insurance, commercial property insurance, contractor liability insurance, contractual liability, director officer liability insurance, emergency response planning , environmental liability insurance, independent insurance, financial risk management, general liability insurance, insurance advisor, insurance claim management, insurance consultant, liability insurance, loss control, property and casualty insurance, risk management, risk management alternative, risk management consultant, risk management insurance, risk management plan, risk management program, risk management services, risk management solution, robert currey, robert m. currey, boston, MA
Our Approach
Why Choose Robert M. Currey & Associates
When You Need Risk Management and Insurance Advisors
Objective Advice
Premium Savings and Extended Insurance Coverage
Our Areas Of Expertise
corporate risk management, commercial insurance, commercial liability insurance, commercial property insurance, contractor liability insurance, contractual liability, director officer liability insurance, emergency response planning , environmental liability insurance, independent insurance, financial risk management, general liability insurance, insurance advisor, insurance claim management, insurance consultant, liability insurance, loss control, property and casualty insurance, risk management, risk management alternative, risk management consultant, risk management insurance, risk management plan, risk management program, risk management services, risk management solution, robert currey, robert m. currey, boston, MA
Robert M. Currey & Associates - Corporate Risk Management and Commercial Insurance Advisors
corporate risk management, commercial insurance, commercial liability insurance, commercial property insurance, contractor liability insurance, contractual liability, director officer liability insurance, emergency response planning , environmental liability insurance, independent insurance, financial risk management, general liability insurance, insurance advisor, insurance claim management, insurance consultant, liability insurance, loss control, property and casualty insurance, risk management, risk management alternative, risk management consultant, risk management insurance, risk management plan, risk management program, risk management services, risk management solution, robert currey, robert m. currey, boston, MA
Why Robert M. Currey & Associates?
 

Providing objective independent advice has been Bob Currey 's (President) goal since founding the organization in 1981.

The following is a candid interview with Bob discussing the firm he founded, and the services it offers:

If I have an insurance broker or agent, why would I need a Risk Management consultant?


The insurance industry is founded on an inherent conflict.  Carriers wish to provide the least coverage/service at the greatest premium.  Our clients, really all consumers, want just the opposite.  Most insurance markets use brokers to peddle their wares and compensate them using a commission scheme that is ultimately tied to the premium and not their contribution.  For most underwriters, the business model is simple -- no insurance sale, no commission.  Against that kind of backdrop, why should we be surprised to learn that nearly every risk management problem cries out for an insurance solution?    Brokers and agents walk a tightrope between the interests of their customers and their carriers; each need trumped by their own.  They are not just a part of the insurance delivery system, they are the system.  Consultants are needed because most consumers do not have the time or inclination to learn all that is needed to properly police their insurance vendors.  Consultancies have flourished because there is a demonstrable and inarguable need for someone who is on YOUR side. 

What types of companies utilize consultants?

Thankfully, there is no such thing as a typical client.  Customers are large and small; service firms or manufacturers, with liability or property driven risks.  Looking back over 30 odd years, the overwhelming percentage of clients could be described as follows:

 

  • They spend between $250,000 and $10,000,000 a year in insurance premiums.
  • The person responsible for implementing the company’s risk management strategy either doesn’t have the experience or does not have the time to make sure they are buying their coverage efficiently.
  • They recognize the inherent conflicts in the commercial insurance world and feel they need someone to police the system.
  • They conclude that the savings are greater than the consultant’s fee.
  • We have had a few clients with smaller insurance budgets, but I can’t remember anyone who retained a consultant without the other traits.


What are some reasons for retaining consultants like Robert M. Currey & Assoc., Inc?


We want to be part of the solution to your increasing insurance expense and not an added cost. In these days of dramatically rising insurance premiums and reductions in all areas of coverage, companies need, more than ever, expert guidance. As our clients will tell you, it is a mistake to view consulting costs as an additional expense; in the overwhelmingly large number of cases, the programs of our clients compete favorably with the programs of other companies in similar industries.

Our consultants are versed in all areas of risk management and welcome the opportunity to help you achieve the best program available to your company. Insurance coverage is not a static product, costs and enhancements are negotiable; admittedly though this is a difficult market environment. However, we have found that the way a company is presented to the market can often mean the difference between reasonably increased costs versus costs that impede the viable operation of a company.

How does Robert M. Currey & Associates, Inc. charge?


Like the best firms, we charge on a “time and expense” basis. Each employee carries a predetermined hourly rate based on their education, experience and likely contribution. Strict time records are maintained and a client is billed monthly for these commitments.
All “out of pocket” expenses incurred during the project augment the time charges. Generally, those expenses are limited to delivery costs, long distance phone charges and travel expenses.

If you charge “time and expense”, don't you have an incentive to make a big deal out of every problem?


Yes you do. However this might work for a consultant in the short run, but ultimately the strategy would lead to dissatisfied clients and results that do not justify consulting fees. At Robert M. Currey & Associates, Inc, we are results, not process driven. We work for our client in every way possible to meet our goals quickly and efficiently.

Have you developed any specialized expertise?


Since Risk management is such a unique field, we have a niche in the market. We cover the following fields but we are by no means limited to such markets.

Real Estate Management and Development

Office Buildings
Retail/ Shopping Centers Residential
Non-Profits Construction
Schools and Universities Chemicals
Institutions Banking and Financial
Law Firms Hotels
Manufacturing REITs


What have you tried to accomplish in the Twenty-five years you have been in business?


Fundamentally, I have tried to provide a needed service in an extraordinary way. We employ highly motivated people that respect the firm, the clients and the vendors whom we supervise. We have both a national and international client list. Our clients use us for years, not just a single assignment. We provide highly professional service in a market where it is sorely lacking. We try to build business around some very old, very simple principles - work hard, know your business, be honest and do it over and over again.

  
   
corporate risk management, commercial insurance, commercial liability insurance, commercial property insurance, contractor liability insurance, contractual liability, director officer liability insurance, emergency response planning , environmental liability insurance, independent insurance, financial risk management, general liability insurance, insurance advisor, insurance claim management, insurance consultant, liability insurance, loss control, property and casualty insurance, risk management, risk management alternative, risk management consultant, risk management insurance, risk management plan, risk management program, risk management services, risk management solution, robert currey, robert m. currey, boston, MA
corporate risk management, commercial insurance, commercial liability insurance, commercial property insurance, contractor liability insurance, contractual liability, director officer liability insurance, emergency response planning , environmental liability insurance, independent insurance, financial risk management, general liability insurance, insurance advisor, insurance claim management, insurance consultant, liability insurance, loss control, property and casualty insurance, risk management, risk management alternative, risk management consultant, risk management insurance, risk management plan, risk management program, risk management services, risk management solution, robert currey, robert m. currey, boston, MA
© Copyright 2005-2007, Robert M. Currey & Assoc.