Risk, Analytics And Claims Advisory

Claims Management Services organizes HUB's hands-on claims advocacy work across the full claims lifecycle — from first notice of loss through complex claim escalation, carrier and third-party administrator (TPA) management, return-to-work program support and claims closure.

HUB's claims advocacy is structured around total cost of risk as the strategic frame, not administrative claims handling. This means proactive engagement with carriers and TPAs, strategic intervention on complex claims and claims closure programs. For high-frequency workers' compensation claims, medical cost management programs can deliver significant annualized savings.

Data & Analytics organizes HUB's risk technology and analytical advisory work around the insight infrastructure that risk and finance leaders need to understand what is driving loss performance and whether current programs are working. This includes a customizable risk management information system (RMIS) that supports analytics, benchmarking, claims administration, audit, safety and compliance tracking — giving organizations a single data environment rather than disconnected reports from multiple sources.

SCORE Analysis benchmarking capability allows organizations to compare their loss performance against peers, identify where their program is outperforming or underperforming the market and build the data-driven business case for risk investment. Loss forecasting, retention and collateral analysis and HUB's predictive total cost of risk (TCOR) modeling support the forward-looking financial analysis that chief financial officers (CFOs) and risk managers need to evaluate risk financing decisions, including captive feasibility. 

Enterprise Risk Management (ERM) organizes HUB's complex risk strategy advisory work around building and sustaining an organization-wide risk management framework — the structured approach that identifies, quantifies and responds to risk systematically rather than reactively. HUB's ERM advisory spans risk identification and assessment, risk appetite and tolerance framework development, governance structure design, risk response strategies and integration with business planning.

Operational Risk Management organizes HUB's advisory work across the specific operational exposures that create business interruption, reputational damage and crisis events for organizations that have not mapped or prepared for them — including cyber security risk, business continuity, crisis response and recovery, workplace violence prevention, supply chain and product liability exposure and executive protection. Each of these creates distinct insurance and risk management implications that benefit from structured advisory rather than reactive response.

HUB's crisis response capability is supported by a full library of Crisis Resource Centers covering cyber security, natural hazards, infectious disease, severe weather and workplace violence events.

Safety & Loss Prevention organizes HUB's advisory work around the loss control programs that reduce injury frequency, property damage and liability exposure before claims occur — occupational health and safety, fleet risk management, fire prevention, premises liability and natural hazard assessments. Safety consistency is a primary driver of workers' compensation performance, and organizations that invest in structured safety programs reduce the frequency and severity of losses that drive total cost of risk higher.