TELEPHONE:  (612) 747-3445

 

   

     FAX:  (888) 896-4709

COMMERCIAL RISK CONSULTANTS

 

 

Independent and objective

risk management advice and counsel

for purchasers of

commercial insurance products and services

 

 

 

 

 



Risk managers identify insurable and uninsurable exposures to loss, assess the frequency and severity of the exposure to loss , and develop strategies to manage the exposures through risk transfer, risk mitigation, risk elimination, and risk finance.  If the transfer of risk is to an insurance company, we manage the agent and broker selection process and develop coverage requirements for submission to  the insurance marketplace.  We analyze and negotiate the scope of insurance coverage and the premium to be paid for it then provide findings and recommendations to our clients so that they can make an informed decision on which insurance products and services to purchase.

 

Commercial Risk Consultants is paid by clients.  We have no financial interest in the outcome of the products that are purchased by our clients.  We receive no income or commission or compensation of any kind from the insurance companies or the insurance agents and brokers that we deal with on behalf of our clients.  Our interests are completely aligned with those of our clients.  Those interests involve purchasing the broadest coverage at the most reasonable price.

 

The knowledge, education, and experience that our risk managers have in developing responsive and cost effective risk management programs is an asset that you should not do without.  Our clients know that the devil lurks in the the details  of insurance company quotes and insurance agent proposals when these sellers of product  use special terms of art and legalese.  If you are not familiar with coverage that is available to you versus the coverage that is being quoted and proposed to you then the product that you purchase from the insurance company or insurance agent will not perform as  you intend it to at the time of loss. 

 

Our risk managers protect your interests in purchasing insurance products and services.  We are on your side.

Debra M. McLain, JD, CPCU. Debra has 30 years' experience in matters that involve insurance companies, insurance agents and brokers, insured businesses, insured persons, and those who have disputes with them. Before obtaining a law degree from Hamline University School of Law, she was licensed throughout the United States as a property casualty insurance broker. During her career in insurance Debra managed all aspects of insurance agency operations including insurance sales, marketing, claims, employee management and training, quality control and management of producer agreements with the insurers for which she sold and serviced insurance products. Debra is Chartered Property Casualty Underwriter who provides enterprise risk management and insurance advisory services to clients of Commercial Risk Consultants, and an attorney who provides legal representation and counsel to businesses and individuals through McLain Law Firm, LLC.

Lynn A. Burns, ARM. Lynn has 30 years' experience in matters that involve facultative reinsurance placement and risk management consulting for Commercial Risk Consultant clients in a variety of industries including retail sales, construction, and manufacturing. She is a University of Minnesota graduate with an Associate in Risk Management designation from the Insurance Institute of America who advises clients on coverage improvements, risk administration, loss prevention and control, and loss financing mechanisms. Lynn develops specifications for marketing insurance programs and risk related services. She conducts competitive bid processes based on her specifications. She evaluates the proposals that come back from insurance companies and insurance agents, and makes recommendations on program selection and service providers. For Commercial Risk clients, she is masterful at obtaining broad insurance coverage at the best available price through financially stable insurance companies that are represented by responsive insurance agents.