01
Planning
We start with the organization: employees, operations, the coverage already in force, and what leadership needs the program to do.
The firm
A relationship built on service.
Insurance decisions deserve clear explanations and responsive support. We take time to understand your organization and provide guidance throughout the year — from initial planning and enrollment to renewals and ongoing service needs.
Throughout the year
The same people, before and after the renewal.
A larger group does not experience insurance as a single transaction. Benefits enrollment, a property renewal, a claim, and next year’s budget tend to arrive on different calendars. We organize the work around that.
02
Enrollment
Employee education and enrollment assistance, so the people the program is for can understand what they are choosing.
03
Renewals
Plan comparisons, proposal evaluation, and a budget view before the renewal has to be decided.
04
Ongoing service
Claims assistance, carrier coordination, and a place to call when something in the program changes mid-year.
Who we work with
Businesses, public entities, and larger groups.
Businesses
Organizations that employ people and have operations to protect. Benefits and property and casualty are planned against the same priorities, not as unrelated purchases.
Public entities
Public organizations answering to a community and a budget — employing a workforce, and making coverage decisions that have to be explained.
Larger groups
We primarily work with larger groups. Enrollment, renewals, and several lines of coverage need coordination. That is the work we are set up to do.
McAllen
An insurance brokerage firm in McAllen, Texas.
South Texas Risk Management works with organizations on employee benefits, property and casualty coverage, and the consulting that holds those decisions together. If you want to talk through a program, call or write.