Expertise Corporate Performance Improvement

Insurance Optimization Services

Driving bottom-line results through innovative, independent, and informed risk management.

In an already complex business landscape, the largest, least transparent categories are corporate risk insurance, employee benefits programs, and enterprise risk management. But at A&M’s Insurance Optimization Services (IOS), we make things simple: our focus is on getting our clients return on investment. We are not brokers nor insurers—we sit squarely in the middle, remaining completely independent and representing solely our clients’ interests.

The A&M Insurance Optimization Services Difference

By leveraging our deep insurance expertise, global capabilities, and innovative methodologies, we empower organizations with the data and analysis they need to make informed decisions and drive bottom-line results. After all, knowing how to effectively manage insurance and risk is not just a safeguard—it’s a competitive advantage. At Insurance Optimization Services, we transform this murky category into a catalyst for growth, delivering:

  • Measurable savings—averaging double-digit ROI
  • True independence—no hidden commissions or back-end deals
  • Comprehensive risk alignment—optimizing coverage, not just cost
  • C-suite impact—trusted by CFOs, CHROs, CEOs, and boards
  • Effective solutions across all types of organizations and industries—serving global corporates and private equity, as well as US public sector

Impartial, impactful, invaluable—IOS gets consistent results.

A&M Insurance Optimization Services Capabilities

 

Employee Health and Welfare Benefits Optimization Property and Casualty Programs Broker Services and Compensation Captive Insurance Companies Risk Management and Loss Prevention Insurance Optimization Services
Employee Health and Welfare Benefits Optimization

Evaluate Benefits plans to reduce costs while maintaining competitiveness and employee satisfaction


Maintain compliance with healthcare regulations and employee needs


Leverage data analytics to improve employee utilization and engagement


Property and Casualty Programs

Analyze existing coverage for gaps, overlaps, and efficiencies


In collaboration with Broker, customize insurance programs, including coverages and exposures, to align with business objectives and risk tolerances


In collaboration with Broker, evaluate risk tolerance to other forms of risk transfer

Broker Services and Compensation

Assess Broker performance and service delivery


Benchmark and negotiate Broker compensation for transparency and optimized service quality


Align Broker incentives with client goals and needs

Captive Insurance Companies

Determine viability of forming a captive insurance company


Evaluate potential cost savings and risk management benefits


Conduct regulatory, tax, and operational feasibility reviews

Risk Management and Loss Prevention

Identify and assess exposures to minimize risks


Implement proactive loss prevention strategies to reduce incidents


Provide ongoing and rapid response assessments for severe claims

 

A&M Insurance Optimization Services Results

Transforming insurance spend efficiency at a global supply chain and logistics company by reducing costs across various categories

What IOS did:

  • Directly negotiated with third-party claims to secure favorable terms and conditions and enhance service quality
  • Provided continuous support on how to use AI and ML to improve claims outcomes and drive efficiency and accuracy in claims process
  • Employed proprietary tools to negotiate with P&C brokers, thereby improving services and optimizing service strategies

Results:

  • Successfully negotiated 16% in like-for-like savings
  • Reduced P&C broker fees by 25%
  • Enhanced broker services through modernized service-level guarantees
Creating capital surplus and driving broker independence for a global infrastructure provider

What IOS did:

  • Streamlined insurance processes, improved risk management strategies, and secured competitive pricing
  • Optimized insurance program by identifying potential lines for self-insuring and supplementary coverages
  • Conducted cost–benefit analyses to identify most effective strategies and support informed decision-making
  • Improved compensation transparency and best pricing
  • Provided captive feasibility assessment that projected significant savings over the next decade

Results:

  • Saved $840M (projected) over 10 years via enhanced cost management and capacity planning to deliver long-term strategic value
  • Reduced broker fees by 17%
  • Improved broker communication by establishing clear standards
Optimizing insurance programs and broker compensation for a leading healthcare organization

What IOS did:

  • Deployed a captive insurer to provide tailored risk management solutions and retain underwriting profits
  • Implemented strategic sourcing for brokers, P&C insurance program reviews, carrier bid analysis, and ongoing monitoring
  • Optimized broker fees while maintaining service levels
  • Provided risk management support to enhance operational resilience and efficiency beyond immediate cost savings

Results:

  • Achieved 14% savings in annual corporate risk and employee benefits program over two years
  • Drove broker compensation transparency, thereby reducing costs by 19%
  • Ensured cost-efficiency and structural improvements through continuous advisory support
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