Many organizations elect not to maintain their own full-time risk managers. The responsibility for administration of the property and casualty insurance program is assigned to someone with a number of other duties. Esses can provide relief by acting as a contract risk manager, handling the day-to-day activities necessary to maintain a sound program, including policy maintenance, program evaluations and renewals, loss funding, recordkeeping, and assistance with claims. Working closely with our clients’ own personnel, we provide the benefit of our market knowledge and years of experience without adding the burden of full-time staff.