The mission of MHBT Risk Management is to assist our clients in maximizing the effectiveness of their risk management strategies.

Avoiding Risk - This is a viable risk management technique but one that is often impractical for commercial clients.

Controlling Risk - Loss prevention is the effort to reduce frequency; loss reduction is the effort to reduce severity. Through the efforts of our loss control professionals working with you, your staff and the insurance carrier, we identify loss exposures via surveys, claims histories, flow charts, personal inspections and allied experts.

Retaining Risk - Retention of risk includes:

We give you the tools to recognize your loss exposures and to consciously decide how to fund them.

Transferring Risk - Transfer of risk can include contracts and/or insurance. We can assist you in interpreting and understanding your non-insurance contracts by assessing what you are assuming from a liability standpoint and how these assumptions may or may not be covered by your financing arrangements or insurance policy. We can help clarify negligence clauses, additional insured and waiver of subrogation clauses.

Insurance - We are your advocate in coverage issues with insurers.

MHBT's Risk Management group has eight full time professionals; six are professional claims representatives and all maintain Texas adjusters' licenses. Linda Belote AIC, Helen Watson, Christy Lee, Mike Brown AIC and Mike Hoad ARM, AMIM have a combined total of some 140 years in the insurance industry.

Craig Goodwyn CSP, CUSA and John Lane CSP, ARM are MHBT's Certified Safety Professionals and have over 35 years combined experience working with insurers and clients.

Risk Management Web Sites

Risk Management Education: www.aicpcu.org
Risk Management Information: www.IRMI.com