Commercial Risk Assessments
Identify and Reduce Your Most Costly Risks
Since the Second Industrial Revolution, we’ve been helping regional businesses identify and reduce their most costly risks. Find out why seven generations of business leaders have placed their trust in Gilbert’s Risk Solutions.
When it comes to insurance agencies, Gilbert’s Risk Solutions breaks the mold. While we provide the full array of insurance products and services you’d typically expect, insurance is only part of the value we provide — often, not even the most important part. The real key is the identification and mitigation of your risks.
We take a consultative and risk management approach to your business, an approach that has earned us relationships with our neighboring businesses that extend over decades. We recognize this might not be a fit for everybody — we seek to serve forward-thinking, best-of-class organizations and build long-term, mutually beneficial partnerships aimed at growth.
While we’re proud to call Pennsylvania our home, we’ve helped businesses all across the country manage their risk, and we look forward to helping you too, no matter where you call home.
What We Evaluate
Every risk assessment starts with a thorough evaluation across the areas most likely to expose your business to loss:
- Property exposures
- Liability exposures
- Workforce/HR risks
- Cyber and technology risks
- Business continuity risks
- Existing coverage review
RISK SHIELD® Services
- Business Risk Management: Claims Management, Risk Analysis, Loss Control, Executive Protection, Benefit E&O Fiduciary Liability Insurance
- Human Resources Support: HRIS Portal, New Employee Enrollment, Handbook Development, Job Description Development, Issue & Conflict Resolution, Performance Management Assistance
- Benefits Administration: Insured and Self-Funded Health Plans, Life/Disability/Dental/Vision/Long-Term Care, Consumer-Driven Health Plans, Section 125 Plans, Voluntary Benefits, Employee Assistance Programs
- Workers’ Comp Control: Claims Management, Cost Management, Classification Analysis, Recovery at Work, Claims Analysis, Loss Control
- Legal Compliance: Sexual Harassment, Discrimination Laws, Leave Laws, Immigration Laws, Benefit Laws, File Maintenance Laws, FMLA/COBRA/HIPAA, Summary Plan Descriptions
- Health Management: ACA Compliance, Employee Education & Communication, Wellness Programs
- Training: Sexual Harassment, Effective Hiring & Firing, Progressive Discipline, Safety Training/Safety Works, Supervisor Training (Harassment & FMLA), COBRA/State Continuation
Benefits of a Professional Risk Assessment
A professional risk assessment goes well beyond a standard insurance quote:
- Lower total cost of risk
- Avoid uninsured gaps
- Data to support smarter decisions
- Integration with our broader RISK SHIELD® framework
Our Goal Is to Be Your Outsourced Risk Management Partner
Most business owners can’t see their own blind spots — the exposures that don’t show up until a claim happens. Gilbert’s Risk Solutions helps you find those gaps before they cost you, protecting your operations, your productivity, and your bottom line.
Learning Your Company's Risks and Exposures
Our process starts by getting to know your business and its inner workings. If we don’t understand your business and its issues, we can’t adequately identify the exposures that could cause unexpected problems down the road or inhibit your growth. We invest significant time and effort to get things right, and we’re extremely selective in choosing organizations to go through this process — that’s how we bring the most value and build a long-term partnership.
Sophisticated Diagnostics
Each audit is customized using an array of tools, resources, and strategies best fit for you. We’ve incorporated proprietary tools including the Intelligence Quotient for Risk Management (IQRM) assessment, culture surveys, compliance audits, and quantifiable risk assessments — enhancing our ability to efficiently identify exposures and mitigate risks.
Executive Action Plan
The end product of our audit is an executive action plan spelling out the top exposures we’ve identified, along with recommended measures to mitigate them. Not all risks can be addressed by insurance — we work collaboratively with you to establish objectives, standards, and steps of the engagement, and the plan serves as our shared blueprint and accountability tool.
Our RISK SHIELD® Process
This proprietary diagnostic assessment process identifies your exposures to loss, uncovers the risks to which you’re vulnerable, and determines how well positioned you are to control a loss should one occur. It’s a four-step process: Identify Exposures, Define Mitigation Strategies, Implement a Program, and Monitor and Adjust going forward. The scope and duration of each audit depends on the size and complexity of your business — and this is a no-cost analysis for you.
CONSULT
DESIGN
BUILDING
MAINTAIN
Commercial Risk Assessment FAQs
An insurance quote prices coverage based on limited information. A risk assessment digs into your actual operations to uncover exposures — some addressed through insurance, others through process or safety changes — resulting in a more complete risk strategy.
Most businesses benefit from a formal risk assessment annually, though significant changes in operations, growth, or claims history may warrant a more frequent review.
We evaluate property, liability, workforce/HR, cyber, and business continuity exposures, along with a full review of your existing coverage, to identify gaps and opportunities.
The timeline varies based on the size and complexity of your business — some assessments can be completed in a few weeks, while more complex organizations may take longer.
