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Total Cost of Risk

Take control of your Business Insurance and Risk Management Program by understanding and reducing your TCoR!


The most important element of any risk management program is cost control. It can be positively affected by employee training, accident prevention, claims control, litigation control, and careful monitoring of your insurance coverages and cost.

Total Cost of Risk (TCoR) includes risk costs in three major exposure areas: property, liability, and occupational injury or disease. Our risk management process puts business owners in control of their insurance programs. BUT, TCoR is not just your insurance premiums & deductibles. As you can see from the illustration below, TCoR is much more. Our unique services will help you control your risks in those areas as well.


Contact us at (847) 705-5560 to learn how we can help you reduce your Total Cost of Risk, and your insurance costs!

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