Manage Your Cost Of Risk More Intelligently

An organization’s objective should be to achieve its lowest possible cost of risk.

Total cost of risk includes insurance premiums, self-insured losses and related program management expenses. PRL provides a comprehensive suite of services to support an organization’s objective of minimizing its total cost of risk, including:

Risk Mitigation

  • Loss Prevention Engineering
  • Fleet Safety Audits and Manuals
  • Contractual Risk Transfer advice


  • Analysis of Historical losses
  • Optimizing deductible levels versus premium savings
  • Large Retention Programs
  • Captive Feasibility Studies, implementation and ongoing management services

Program Audits

  • Review current insurance program for deficiencies
  • Provide alternative program structures with the objective of maximizing coverage and minimizing cost
  • Identify other insurance products and alternative risk programs to be investigated