Management desires an independent review and opinion of its present risks and insurance programs.

  Management is not sure that all its risks are being addressed by the company's insurance program.
 

 Management is uncomfortable with the risk management advice it is receiving.
 

 Management believes that costs are not in line with their exposures or that of its competitors.
 

 Managers do not have the time and /or expertise to evaluate insurance alternatives.
 

 When claims have occurred that are not covered or the recovery is less than expected.
 

 Management requires an independent, third party opinion, either to confirm a decision or to provide   alternatives.