Our Process
ICS replaces the traditional insurance cycle with a structured, five-stage risk management process designed to produce measurable improvements in underwriting quality and operational performance.
01
Discovery
Objective
Establish a baseline understanding of operations, exposures, and organizational structure.
Execution
- Initial data collection via structured intake
- High-level operational review
- Identification of key exposure categories
Outcome
- Qualification of engagement
- Preliminary risk profile framework
02
Stewardship Review
Objective
Evaluate existing insurance structure and historical performance.
Execution
- Review of current policies and coverage structure
- Analysis of claims history and loss trends
- Identification of coverage gaps and inefficiencies
Outcome
- Baseline understanding of current program effectiveness
- Alignment between operations and insurance structure
03
Assessment
Objective
Conduct detailed, department-level risk analysis.
Execution
- Operational data collection (liability, HR, auto, governance)
- Property and COPE data collection
- Department-specific analysis (including F&B, operations, facilities)
Outcome
- Complete exposure identification
- Operational risk mapping
Supporting Data Collection
04
Risk Profile Creation
Objective
Develop a quantified, carrier-ready representation of risk.
Execution
- Proprietary Risk Study Report
- Department-level scoring and benchmarking
- Documentation of controls, procedures, and exposures
Outcome
- ICS Risk Index
- Structured underwriting narrative
- Supporting documentation for carrier review
05
Carrier Marketing
Objective
Strategically present risk to insurance markets.
Execution
- Structured submission development
- Targeted carrier engagement
- Negotiation based on documented risk improvements
Outcome
- Increased market competition
- Improved underwriting clarity
- Stabilized long-term pricing
Continuous Program Management
ICS remains engaged post-placement to transform insurance from a transaction into a continuous risk management process.
Update documentation
Track risk improvements
Support claims
Maintain underwriting alignment
Ready to Begin?
Start with our Discovery process to establish your baseline risk profile.