Firm Risk Consultants auto dealership risk management

Firm Risk Consultants auto dealership risk management Firm Risk Consultants auto dealership risk management Firm Risk Consultants auto dealership risk management

Dealership Risk Management

PERSPECTIVE

Automobile and truck dealerships operate in a high-exposure environment—facing continual risk of inventory loss, property damage, and third-party liability. Effective risk management is a disciplined, structured process designed to identify, control, and minimize the financial impact of these exposures.


As independent professionals, our dealership consultants provide objective, unbiased analysis with no economic interest in the solutions we recommend. We are not aligned with any garage insurance carrier or program—we work 100% for YOUR interest.

EVALUATION AND RECOMMENDATIONS

 Firm Risk Consultants conducts a comprehensive review of your organization’s insurance and risk management programs, providing strategic recommendations across coverage design, program administration, loss control, and risk financing. 


Our consultants will provide a systematic process of managing your organization's risk exposures.




BENEFITS OF ENGAGING A RISK CONSULTANT

Fewer and Less Severe Losses   

 Improved Profitability 

 Enhanced Employee Retention  

 A More Effective Management Tool  

 Safer, More Productive Operations 

Lower Insurance Costs

More Leverage with Insurance Companies


You will have a Professional Independent Expert working exclusively on your behalf and acting as your ADVOCATE.

About Us

Auto and Truck Dealership Specialists

 This is our focus. This is what we do. For nearly 40 years, we have worked exclusively in garage insurance and risk management for Automobile Dealers and Dealer Groups.  


 

We believe our experience and focus can deliver meaningful value to your organization.

Experienced Associates

 Firm Risk Consultants has conducted numerous seminars and workshops for dealership groups focused on loss control and risk management. We have also authored multiple articles in leading insurance publications addressing risk management, garage insurance, and loss control strategies specific to automobile and truck dealerships. 


 Broad knowledge and expertise in garage insurance, developed through years of focused study and "hands-on" experience working with automobile dealers. 

Corporate Headquarters

 

Firm Risk Consultants, LLC is a national consulting firm based in Jacksonville, Florida, specializing exclusively in insurance and risk management services for automobile, truck, and RV dealerships. Our reputation is built on long-standing client relationships and trusted industry references.


 A strong reputation supported by trusted client references. 

Our Services

INITIAL RISK ASSESSMENT: Insurance Coverage Analysis

Firm Risk Consultants conducts a comprehensive evaluation of your dealership’s insurance program and overall risk profile, with a focus on protecting assets, identifying gaps, and improving performance.


Our review includes:

1. Coverage Adequacy Assessment
Evaluate how effectively your current policies protect dealership assets, operations, and exposures.


2. Strategic Recommendations
Provide targeted recommendations to strengthen coverage, address deficiencies, and align the program with your risk tolerance and operational needs.


3. Loss Analysis & Trend Identification
Conduct a detailed analysis of historical loss activity to identify trends, recurring issues, and areas of concern—while assisting in the verification and accuracy of loss data.


4. Findings & Program Optimization
Present a clear summary of findings, along with actionable recommendations to improve coverage structure, limits, terms, and overall program effectiveness.


5. Operational & Cost Efficiency Improvements
Recommend enhancements in loss control practices, administrative processes, and cost management to improve performance and reduce total cost of risk.

RENEWAL MARKETING: Competitive Bidding Process

Several months in advance of your garage insurance renewal, Firm Risk Consultants prepares detailed underwriting specifications, markets the program, and solicits competitive proposals from qualified insurance carriers.


We manage the entire renewal process, including:


1. Market Coordination & Evaluation
Direct interaction with all bidding carriers; organization and presentation of proposals; and clear guidance on coverage terms, pricing, strengths, and potential gaps—so you can make an informed decision with confidence.


2. Incumbent Carrier Negotiation
When marketing is not pursued, we work directly with your existing insurer(s) to negotiate the most favorable renewal terms, coverage enhancements, and pricing.


3. Placement Verification & Execution
Following your renewal decision, we conduct a detailed review to ensure all policies issued accurately reflect the agreed-upon limits, coverage, terms, and premiums.

CONTINUING COUNSEL: Insurance Management Services

With decades of experience in automotive and truck dealership insurance, our advisors provide ongoing, hands-on risk management consulting. We work with dealership insurance issues daily and bring extensive experience supporting multi-location and large-scale dealership groups.

Firm Risk Consultants provides continuous advice and counsel on all garage insurance matters, including:


1. Risk Identification & Control
Proactive and reactive guidance on exposures, operational audits, loss control, and overall risk management strategy.


2. Claims & Dispute Support
Assistance with claims advocacy, billing issues, and audit disputes—ensuring your interests are effectively represented with insurers.


3. Carrier Coordination & Compliance
Direct interaction with insurance carriers to coordinate loss control initiatives, monitor compliance with recommendations, and support overall program performance.

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Let us know how we can help you PROPERLY MANAGE YOUR INSURANCE!

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Firm Risk Consultants

450 Maralinda Drive, St. Augustine, FL 32905

(904) 374-4700

Copyright © 2017 Firm Risk Consultants - All Rights Reserved.


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