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What Our Clients Say  "Recently I was talking to one of my clients who I referred to you about her need for a consultant with a different area of expertise. She was describing how she felt vulnerable, didn't even know what she didn't know, and after some bad experiences is practically desperate for help she can trust and rely on. Then she said what she really needed was a consultant like Charles Wilson. Someone who could just come in, explain it all to her, and then resolve it or refer her to someone really great who could resolve it for her. You are the gold standard, Charles. It's a very impressive recommendation. Congratulations." Lorre Zuppan, Management Consultant branes, LLC | www.branes.com "Charles's approach is unique in my experience. First off, he doesn't sell insurance so I know the advice I'm getting is objective. Second, he blends 'big picture' consulting with a laser focus on the details - especially implementation. It was exactly what I was looking for.His industry knowledge is comprehensive and current, and his recommendations are practical and straight-forward. I can implement them without losing my shirt." Michael LeValley, Principal Live Oak Design Group "The risk and insurance management services provided by Charles Wilson and RiskSmart Solutions® have been invaluable to our organization. Since he wasn't trying to sell us anything, I felt confident in getting rid of unneeded insurance and buying more in several areas where it was more important. We were able to increase our coverage while decreasing our premiums, and he helped us identify a new broker I can trust.I would highly recommend Charles' services to any company considering them: in a very short time they will pay for themselves, and right away you'll sleep easier at night." Donna Milgram, Executive Director Institute for Women in Trades, Technology & Science "Charles's report was outstanding. Instead of just focusing on my policies, he advised on everything from acquiring replacement equipment in an emergency to negotiating contingent liability language into our contracts.He really knows the industry, is broker-friendly and has extraordinary follow-up. I'd recommend him highly to anyone with risk or insurance questions." Dan Baker, CEO Poly Seal Industries "I knew I needed professional advice and wanted someone objective. RiskSmart Solutions® was perfect for us. Because Charles wasn't selling anything, I felt much more comfortable following his recommendations. His Initial Review service gave us far more than just advice about our insurance policies. Charles helped us with a complete plan for getting the right coverages as well as the things we could do today to protect ourselves from common losses. It was well worth the price."Edmund Ashburner, CEO Java Bear Collectibles & Antiques "As a small business person, I have dealt with numerous insurance agents and brokers. When I reached the point that I needed expert advice, I didn't know where to go. Charles Wilson was the answer for me. I feel that Charles made it possible for me to feel confident that I had the proper insurance coverages placed with the right broker. He anticipated what my needs were and essentially went above and beyond my expectations. I would highly recommend him as a thoughtful, well informed and very accomplished insurance advisor and consultant."Tricia Collins-Levi, General Manager The Glass Man "Insurance used to be a lot easier. Now it's much more complex, and the average business owner can't afford to spend the time necessary to fully understand it all. Charles does understand it and speaks the language. He knows the appropriate questions to ask, what's an acceptable answer, and what's reasonable to expect from a broker to protect our business. He assisted us in accomplishing things we never could have done on our own: changing broker fee arrangements, implementing a bonus plan for excellent service, demonstrating the value of increased self insurance, reviewing premium audits, and in certain circumstances saving us substantial costs. Insurance has become such a big ticket item in our expense ratio that I am delighted to have Charles on our side." Carla Q. Blick, VP Finance & Administration Lemore Transportation Inc. - Royal Trucking "Before I met Charles Wilson, I was uneasy about the risks involved in starting my own business after 20 years in corporate environments. I didn't want to put my family's welfare in jeopardy… there were a lot of unknowns. I knew I needed to get my insurance protections right and didn't have the time or expertise to do it myself.When I was introduced to Charles, his qualifications, personal integrity and objectivity gave me great peace of mind and a comfortable path for achieving my objectives. Charles helped clarify my key risks and insurance needs and then guided me through the minefield of applications and choices. I am relieved to understand my needs and be protected. Charles' help was invaluable. David Epstein, President Strategic Ally, Inc. "With Charles' exceptional help I was able to save 4 times my investment in his services! Where else can you get a 400% ROI?Not only did he help me save time and money, he gave me an education and the confidence to handle most of my insurances myself. As a small business owner, that's tremendous peace of mind. Charles' communication skills are excellent, and his follow through is on par with Tiger Woods on a good day! Bill Essert, President Wooden Window, Inc. "Charles provided an invaluable service that I had not foreseen. He educated me on the proper procedures and language that I should use in my contract discussions with clients so that I always stay within the boundaries of my insurance coverage.Charles was incredibly responsive, informative and attentive to my needs. He went that proverbial extra mile for me, and in the process, I was very informed when I had that first conversation with the underwriter. I highly recommend the counsel of Charles Wilson for any small to medium sized business that has to navigate the often-uncharted waters of insurance as it applies to their particular businesses. Julia A. Glenister, Principal JAG Wire Group "Whenever I have an insurance question, I rely on Charles. During a protracted claim settlement process, he was always available to explain the often-confusing processes I encountered. He provided valuable perspective and much-needed reassurance during a difficult period. In recent negotiations with a client, he outlined the issues and referred me to a very knowledgeable and helpful agent - and assured me he receives no "kick-backs"! Together, they gave me the information and guidance I needed to avoid unnecessary costs while ensuring that the client's risk management requirements were met. For a professional services business making decisions in the complex realm of insurance, it's a tremendous asset to be able to turn to a caring, expert advisor for help in balancing the risk management equation." Joanne Gainen, Phd, President Gainen Surveys "I was so impressed with Charles' manner and knowledge that I brought him on board with a non-profit client of mine who really needed a thorough assessment of their risk and how to manage it through insurance and other tactics. His follow-up is impeccable; his ability to deal with difficult people (yes, the client can be difficult!)
is tremendous. He is tactful, knowledgeable and friendly, and willingly goes the extra mile for clients. His high ethical standards are such that he religiously guards against potential conflicts of interest. As you can see, I think very highly of Charles and believe that there are many businesses that can benefit from his expertise." Kate Sandman, President kate sandman inc. "In today's world of heightened risk, I was concerned about our insurance coverages. As a consultant and small business owner, I know these protections are critical. Charles Wilson's review was both concise and comprehensive, and he followed up to make sure I completely understood his report and analysis! • He spoke directly with my broker to get important clarifications. • He explained my coverages in plain English and recommended some important changes I needed to make. • He also provided several practical risk management techniques I can follow to prevent losses and possible disaster in the future. RiskSmart Solutions provided a valuable service to me and my business. And I especially appreciated the un-biased, no-nonsense approach." Bob French, Managing Partner Competitive Advantage Group
"When I first spoke with Charles Wilson at RiskSmart Solutions and heard him describe the services he provides, I quickly made a decision to engage him. It proved to be a very good decision. I know of no other firm that helps the small business executive in such a comprehensive way. In my experience, even the best insurance brokers don't go beyond the traditional insurable risks facing a business in today's complex world. RiskSmart Solutions did.Charles worked to really understand my business through discussions with employees, vendors, business partners, and customers. He analyzed all contracts identifying areas that need attention - or gaps that need to be closed. He then aided me in selecting the right insurance broker for my particular needs - and securing the coverages that I need. For those areas not covered by insurance, for the first time I understand what they are and am putting plans in place to make my business less vulnerable to the unknown. Given the complexities facing small business today, I simply can't give a stronger recommendation for engaging RiskSmart Solutions." Stephen Berg, President H3R, Inc.
"I was skeptical at first about the value of a Risk and Insurance Review, because I had been in business for over 15 years with few problems.Charles Wilson at RiskSmart Solutions brought some real "eye-openers" to my attention. His comprehensive Review first identified our most important business risks, then made practical recommendations and finally helped us implement workable solutions. In addition, Charles helped us ensure our soon-to-be new office premises would be safe, our equipment well protected, and our lease clauses about tenant's improvements clear. He recommended important changes to correctly coordinate my personal and commercial coverages. And he created Service Expectations and helped communicate them to our insurance broker. The professional advice we received from RiskSmart Solutions was unique and invaluable. I am now much more comfortable understanding the risks that could impact my firm, the best ways to manage these risks, and the risk financing options in addition to insurance. I am convinced all small business owners would benefit from this service." Robert W. Caldwell, President RW Caldwell Associates, Inc. / Career Partners International |
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