The Alternative Market Risks Client Group of Specialty Markets (a division of Munich Reinsurance America, Inc.) provides highly effective risk-taking solutions for clients who manage risk through nontraditional structures. Our market-leading expertise and long-standing commitment to the alternative market are illustrated by the large number of our clients and the length of our relationships with them. We earn these longterm relationships by developing comprehensive solutions that balance your risk appetite, financial objectives, and operating capacity.

You can put the financial strength of Munich Reinsurance America to work for you through any of our multifaceted, risk-transfer capabilities. These include excess insurance, treaty reinsurance, and facultative reinsurance. Our team of seasoned, knowledgeable professionals provides the superior underwriting, claims management, and risk control oversight that are critical to your success. Groups with ceded premiums of at least $400,000 and single risks with ceded premiums of at least $200,000 are the best fit with our capabilities.

Our Public and Nonprofit Risks unit works with:

Our Group Commercial Risks unit works with groups whose members are commercial entities.

Services
We can provide access to experts in all disciplines, including:

Our value-added services include:

Product Development
Our insurance experts develop innovative insurance solutions to cover risks with unusual or unique characteristics. We work with you to tailor coverage to meet the special needs of your group or entity.

Policy Language Reviews
We have a dedicated staff that is experienced in coverage evaluations and will assist you in reviewing proposed or existing wording of policy forms or coverage documents, helping you to ensure that the language reflects the intended coverage scope and coverage triggers.

Claims Handling
Our unbundled approach allows you to use TPAs approved by us. Our claims experts provide oversight of TPAs. Our ongoing evaluations can generate recommendations to the TPAs to ensure the continued quality of claims handling, claims staff, and claims systems.

Underwriting Operations
Our extensive market presence keeps us informed of best practices throughout our industry. We share these insights and work with you while providing an independent evaluation of your underwriting operations. When we agree on recommendations for improvement, our advisors remain available to assist you in implementation.

Research and Analysis
Our custom reports range from general market trends to specific market segments to individual state profiles. You can use our services to gain competitive intelligence, track current industry trends, develop strategic plans, and define new business opportunities.

Risk Control Oversight
These services help identify, prevent, and mitigate the impact of risk. Services include loss control assessments, causal analysis, trend analysis, training, and assistance in establishing/upgrading loss control programs, work site assessment, and assistance in selecting third-party specialty consultants.

Catastrophe Risk Management
We provide expert analysis on natural and non-natural property perils and exposures, including technical and scientific catastrophe risk modeling issues. We evaluate and work with you to address catastrophic exposures arising from casualty lines of business.

Community Safety Leadership Program
Through our Community Safety Leadership (CSL) Program, we work with you to provide solutions that make a real difference in the way safety issues are identified and handled. CSL is a unique approach to reducing risks with your operations and within your community. We assist you by providing information and tools to enable you to address safety issues in a simple and easy-to-implement format. CSL gives officials the information they need to enable them to create and maintain safe workplaces and practices, as well as to improve the safety of public areas.

Mycommunityworkplace.org
Mycommunityworkplace.org is a dynamic Web-based platform designed specifically for public and nonprofit entities. This platform provides state-of-the-art training and human resources functions, as well as up-to-date information important to your community. Mycommunityworkplace.org is provided free to clients of Munich Reinsurance America and includes:

Web-based Training
With mycommunityworkplace.org you have access to sexual harassment, discrimination and wrongful termination prevention training, as well as training promoting ethics and creating childsafe environments in the workplace. With material written by a national expert and delivered by an experienced Web-based company, this training teaches managers and supervisors their role in preventing wrongdoing and maintaining a quality workplace environment. An online trainer is available for any questions via e-mail or toll-free number.

In addition to providing “on demand” training, the Web site tracks all training, telling you who has or has not trained. It can also show “knowledge gained” by trainees. E-mail alerts inform trainees when training is due and managers when their employees’ training is past due.

Information
Mycommunityworkplace.org provides up-to-date information on events, court decisions, and other important issues critical to the workplace. Information, downloadable checklists, and articles on court decisions, new workplace risks, health and wellness, employment trends, improving teamwork, leadership, and other important issues are sent to you each week and then cataloged in a searchable database for later review.

Policies and Procedures
Reduce legal expenses in creating policies and procedures from scratch. Mycommunityworkplace.org provides model workplace policies and employment forms for your use. Print the forms, make the changes you believe are necessary, and send them to your attorney for review.

Links
Easily connect to Web sites important to the workplace, as well as human resource functions, through mycommunityworkplace. org. This easy, one-stop shopping saves time when you are looking for information.

HealthCare Benefits Reinsurance
The HealthCare division of Munich Reinsurance America provides comprehensive, innovative, and flexible reinsurance solutions to meet a broad range of health care benefits risk-management needs. Our skilled and multidisciplined staff combines their extensive financial and clinical expertise with resources and talent throughout the health care benefits industry to identify opportunities for improving your operating position.

Claims Services

Best Doctors®
These world-class experts are available to consult on catastrophic injuries to help reduce overall workers’ compensation claims costs while maximizing medical recoveries.

Medical Bill Negotiation Services
Our specialized medical bill negotiations service provides access to a team of professional negotiators using state-of-the-art databases to achieve savings on medical bills not subject to PPO discounts.

Claims Reviews
Our detailed claims reviews provide you with information to help improve your operations. We offer analysis that highlights possible loss control issues. Through evaluation, we help ensure losses are being allocated correctly. Additionally, we evaluate and provide direction to TPAs (or in-house claims handling) as to the quality of their claims staff and systems.

Negotiation Skills Training
Through negotiation skills training, we provide you with in-depth analysis of the claims negotiation process by examining a variety of successful techniques and strategies, as well as negotiation psychology. Through this training, you gain experience and confidence by hands-on participation in staged negotiations and become better equipped to handle claim negotiations.

Monitoring Developing Exposures
Our claims consultants provide invaluable, up-to-date information on the legal, insurance, reinsurance, and contractual issues surrounding developing exposures. Our claims professionals are often teamed with underwriters, actuaries, and contract specialists to help you develop comprehensive solutions as new issues arise.

Litigation Cost Containment
Our specialists offer you customized litigation management training that covers claims handling before, during, and after litigation is filed. There is emphasis on timely claims decision making to proactively manage litigation and control defense counsel activity and cost. We also show you how to audit invoices and manage the information necessary for monitoring and controlling legal expenses.