Tony Hopkins, CPCU, CIC, CRM

Business leaders and executives wear many hats these days in a complex and rapidly changing environment.  With help needed from as many places, as they can get.

The landscape of the business world has dramatically changed over the last few years.  Owners and executives are charged with hitting aggressive growth goals, while also being tasked for the very survival of the business.  In addition to uncertain economic times, the world of risk is expanding due to changing legislation, social media, and an ever-growing litigious society.  Thus, the role of a risk management consultant must also evolve to keep pace.  Strategic consultants provide insight and guidance on risks facing an organization, with a strong focus on prioritizing efforts.

“A comprehensive risk management strategy is more than just controlling workers' compensation or auto losses. Effectively controlling businesses ‘real' costs are not just negotiating the best insurance premiums,” observes Tony.  “True risk management programs include ‘company killers' issues, such as succession planning, organic growth, operational efficiency, diversification, innovation and corporate culture.  A work comp claim has never put a company out of business, but each of those ‘company killers' has.  With efforts shifted to addressing the largest risks, the company can focus on what's most important.”

“Insurance is just one of 13 ways to effectively manage risk,” says Tony.  Assisting companies in lowering their loss dollars translates into more stable and lower premiums in the long-run, allowing Horton's clients to have the upper-hand in negotiating premiums and coverage terms with the insurance carriers.   “Often insurance is the most expensive way to solve a problem.  Many companies are not aware of alternative cost efficient solutions, such as risk prevention, reduction or avoidance. These proactive risk management strategies ensure that your business built today is here tomorrow.”  

Horton's model is not a fit for all businesses. The company's approach as an “outsourced risk management partner,” is a long-term investment for both clients and staff.  “Clients that have the highest return-on-investment in our model are the ones that focus on continuous improvement. They invest in a comprehensive risk management program rather than just insurance and safety, set high expectations of their business partners, and want a long-term, trusted relationship with their consultant,” says Tony.

Tony has also realized that talking a good game is not enough.  The true mark of a professional is execution.  Horton achieves this through a process which consistently delivers on promises made and holding themselves accountable.  “Once a plan is established, we are committed to plan execution.  Our team functions as an extension of our clients operations; we are just as invested in their success as our own – their goals are our goals,” says Tony.