COPPER DUNN COMPANY

EMPLOYEE BENEFITS

Copper Dunn understands that employee benefits plans have become increasingly complex and sophisticated, and traditional product placement is a minor facet of our role in working with our clients. Our approach and experienced professionals differentiate our delivery of employee benefits consulting.

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Key highlights of our approach include: 

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• Proprietary analytical and visual business intelligence tools to help clients better understand the financial health of their employee benefits plan

• Using our proprietary tools, we can perform both a qualitative and quantitative analysis

• Key benchmarking tools to help clients understand how to balance cost versus plan design and benefit levels

• Customized proprietary contribution and decision support tools for both employers and employees

• Benefit administration guidance, support and deliverables

• Understanding of HR and finance objectives enable us to properly align program and product strategy

• Easy-to-read Legislative Briefs that summarize recent federal legislative developments in insurance and employee benefits.

• Answers to common COBRA, FMLA, Health Care Reform, HIPAA, HIPAA Privacy, Medicare Part D and Section 125 questions.

EXECUTIVE BENEFITS

Recruit, Retain, and Reward Top Talent. Executive Benefits are comprehensive strategies to attract and retain the best and brightest in your verticals. At Copper Dunn, our executive benefit experts provide corporate clients, shareholders, owners and executives with solutions in succession, retention, reward and supplemental benefit programs. Clients depend on our expertise in customized, highly specialized benefits, insurance, and advisory services to compensate their top people.

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We provide all aspects of Executive Benefits, including the design, financing, administration, communication, and reporting of nonqualified retirement plans, business succession planning, life insurance, disability income protection, long term care insurance, and associated advanced planning techniques.

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Our Executive Benefit services include: 

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• Plan Design Consulting

• Service provider analysis, product studies and negotiations

• Participant communication and education

• Plan implementation and management

• Due Dillegence

• Plan administration, record-keeping, and reporting

• Legal and accounting assistance and consulting

• Benchmarking and ongoing plan audit services

PERSONAL INSURANCE

Copper Dunn covers the full spectrum of personal insurance products for all of your needs no matter how unique. When you’ve invested a lifetime in developing and acquiring your possessions, you need to know that your insurance agent can help protect your interests. We have extensive knowledge in unique policies and packages that can close coverage gaps and protect your exposures.

We will review your assets and insurance needs and consult with you about steps to reduce your costs or the possibility of loss. While we represent multiple carriers, your unique requirements may make one the clear choice — but you will know all the options. In addition, we provide ongoing education and suggestions for how you can deal with all of the risks you face. True risk management always goes beyond available insurance protection, and our team has a wealth of experience.

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We conduct thorough due diligence before marketing your needs to underwriters and negotiate until we’re satisfied that you’ll receive the best value and the best coverage.

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• Life Insurance

• Disability Insurance

• Long-Term Care Insurance

• Umbrella Coverage

• Auto Coverage

• Home Coverage

PROPERTY & CASUALTY INSURANCE

The loss of a critical asset, or potential liability exposures, can cause significant loss of income – even forcing you to close your doors. With stakes this high, it is essential to implement the right mix of insurance coverage and risk management controls.

Copper Dunn provides the best advice and coverage available. Our professionals are empowered to become in-depth experts in key industries and technical areas. As a result, we are more thorough in assessing your risk exposures, more innovative with our solutions and more successful with our underwriter negotiations. We serve as an extension of your team, communicating with you every step of the way.

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• Real estate property and business property coverage is available, including inventory, goods in transit and transit/cargo risks. Fleet insurance programs are also available.​

• Liability, General liability coverage, umbrella and business owner programs are available covering worldwide exposures.​

• Professional Indemnity, Professional liability programs, including errors, omissions, malpractice and director’s coverage (D&O) available for worldwide operations.​

• Workers Compensation, Compulsory worker’s compensation programs, including Defense Base Act (DBA) solutions are available to cover employees, consultants and contractors.​

• Business Continuity, Copper Dunn offers a broad array of business continuation and business interruption solutions improving organizational resilience.​

TRANSACTIONAL SERVICES

The risk management and human capital implications of a merger, divestiture, acquisition or restructuring can sometimes be lower priorities among all that has to happen during a deal. In many situations, though, the efficient evaluation of both corporate and personnel risk can be the most critical part of a successful transaction. The insurance market has developed a wide array of innovative tools that can fill these important needs.  Our professionals will work with you and your deal team to find the insurance products, and interested Underwriters, to make insurance a cost-effective component of your transaction.

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Our transactional services include: 

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• Contract review of the transaction, with specific concentration on warranties, representations, indemnity, insurance and period provisions

• Board-level presentations about the long and short-term risk transfer implications for the transaction and how insurance might be a useful risk financing tool

• Claims data, litigation reviews and benchmark reports about key issues relative to the transaction

• Dedicated advocacy response to claims or litigation that arise due to the transaction