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HNI Sees ‘Risk Clarity’ As An Opportunity

In this hard market, independent agents must view the risk appetite of some insurance carriers as a paradox. Risks that were embraced for years by a carrier at reasonable rates and terms, with few questions asked, are now being abandoned regardless of whether the client has had any significant losses.

Despite such difficulties, at one agency in New Berlin, Wis., the concept of risk is viewed as a challenge to be managed, not shied away from, with insurance being only one component to consider. With its trademarked “Risk Clarity Formula,” Mike Natalizio, president of HNI Risk Services Inc., says his agency “embraces risk” and sees great possibilities in loss control.

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