I N T R O D U C T I O N Effective management of the risks inherent in business goes far beyond the realm of traditional insurance. In today’s insurance marketplace, where insurance carriers are constantly increasing rates, businesses are now required to address virtually all areas of risk in their operations with significant detail and intensity. This demanding approach allows the evaluation of all available alternative methods of treating and funding risk. Conifer’s aim is reduce costs and add quality and performance to your program. Our Professional Services Division has unparalleled expertise in assisting you in this endeavor.