All members of the Consultative Brokerage Network understand that the major portion of a client’s Total Cost of Risk is outside the insurance policy. In fact, studies have shown that 80% of a firm’s Total Cost of Risk is in other areas such as claims cost, indirect business costs and higher administration costs. Our membership is astute in the deployment of resource capabilities to help their clients reduce these very important costs. Each member of the Consultative Brokerage Network has invested in the development of resource capabilities and are committed to providing their clients with these important cost reduction tools.