Commercial Client Services
Once you’re a client, you can expect the following items as part of our client services.
Account Services
  • Billing Allocations
  • Certificates Issued/Auto ID Cards within 24 hours
  • Designated Account Manager/Team with Industry specific expertise
  • Endorsements
  • Equipment Changes
  • Policy changes (e.g. equipment, vehicles)
  • Review Certificates
  • Update Certificates, Drivers, SOV, Bl Worksheet
  • Audit Preparation Package
  • Carrier Rep Introductions
  • Risk Assessment – In depth Coverage Analysis of current policies
  • Quarterly Planning Meeting
  • Policy Delivery
  • Carrier Rep Introductions
  • Mid-Year Review (Payroll & GL Projections)
  • Summary of Insurance Review
  • Contract Review
  • Coverage questions
  • Annual Marketing Strategy
  • Annual Premium comparisons
  • Loss Sensitivity Analysis
Claims Advocacy
  • Loss ratios/loss runs
  • Welcome email w/ all claim forms
  • Quarterly Claims Review
  • Property Insurance Replacement Valuations
  • Experience Mod Analysis / Projections
  • Modmaster – in depth analysis of experience mod
  • Reduction reports
  • Return to Work Program Management

In 2022, our Claims Advocacy and Reserve Verifications lowered claim reserves by over $3,000,000 resulting in over $1,000,000 in premium saved due to decreases in client’s experience modification factor. This past year, BHC had a 96% retention rate of satisfied clients.

Safety and Loss Control
  • Safety Handbook Review
  • Evaluate Formal Return to Work Program
  • Evaluate Pre-Employment Screening Process
  • Review Safety Program
  • Safety Trainings and Materials
  • OnSite Loss Control Visit
Take Control of Your Group Health Plan
Employee Benefits
Coverage Designed for Your Team

From design and administration to communication, our team will lead you to a custom-tailored plan that retains valued employees, attracts qualified candidates, all while helping you stay within budget. As your trusted group benefits advisor, we will continually analyze your employee benefits data to determine whether your current plan continues to meet your needs.

  • Predict, plan and perform
  • Proactive strategies and services
  • Preparation for future
  • Opportunities and threats
  • Team Size and Focus
  • Experience
  • Proactive Reaction to Needs
  • Effective, Efficient and Respectful
  • Evaluate, examine and predict
  • Team approach
  • Delegation of duties
  • Maximize experience and resources
Take Control of Your Group Health Plan
Group Health Insurance Plans

A traditional group health insurance plan. The insurance company assumes the financial and legal risk of loss in exchange for a fixed premium paid by the employer. The insurance carrier pays health care claims as outlined in the policy.


Sometimes called partially-funded, the employer pays a set amount each month. At the end of the year, if the total paid out in claims is greater than the employer’s contribution, the insurance company covers the difference.


Employers retain the risk of paying for their employees’ health care claims themselves, either from a trust or directly from corporate funds. Stop-loss insurance helps limit your exposure in the event of a catastrophic claim

Boost Your Benefits Package
  • Dental Plans
  • Vision Plans
  • Group Life Insurance
  • HSAs and FSAs
  • Dependent Care Accounts
  • Short & Long Term Disability
  • Accident and Hospital Indemnity
  • Critical Illness Cancer
We’ve Got You Covered

We take pride in our expertise and know trust can’t be assumed. It has to be earned. And as we earn it, you’ll begin to understand that what we value most are relationships.

Property and General Liability

Property insurance protects your business’ physical location and property including: commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies, etc.

General Liability insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties. These may include premises and operation, personal and advertising injury, medical payments or products/completed operations.

Workers’ Compensation

We take workers’ comp seriously, knowing it’s the most controllable form of insurance you have. Our Certified WorkComp Advisors work with you to establish a process that reduces costs and improves productivity.

  • Experience Mod projections and analysis
  • Cost of claims analysis
  • Claims consulting and reviews
  • Return to work programs
  • Assistance with audit disputes
Surety and Performance Bonds

We help contractors understand and prepare for the complexities of the bonding arena. We work with you to gain your surety credit to take your company to the next level.

  • Contract payment and performance bonds
  • Bid Bonds
  • Miscellaneous Commercial Surety products
  • Financial statement analysis
Cyber Liability

Every business faces cyber security risks but not every business has the same cyber exposure. We are here to show you exactly where your exposure lies and give you the cyber liability coverage you actually need.

  • 3rd party liability for loss of PII, PHI, or PCI
  • Network encryption and ransomware exposures
  • Funds Transfer and Wire Transfer Fraud
  • Network and Systems Damage Coverage
  • Defense and settlement or judgement
  • Notification costs
  • Damages to a third-party system
  • Forensic costs to investigate a breach
Management Liability

While every business is unique, there are universal exposures that all businesses face. Management liability is a hybrid policy that combines several overages essential to standard business operations that are normally sold individually.

Policies commonly include:

  • Directors and Officers
  • Employment Practices
  • Fiduciary Liability
  • Professional Liability
  • Fidelity and Crime

Business auto coverage insures vehicles that are owned, leased, hired, or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships.

With 50+ years of combined multi-line claim experience, our claim department is here to make the claim experience as seamless as possible for our clients.
Insurance Claim Consultation
Our role as Claim management consultants is to help you develop a best practice approach to managing claims. This is accomplished in many ways, including but not limited to:
  • Education on new insurance legislation that impacts your operation
  • Consultation on an effective return to work culture, utilizing light-duty responsibilities and effective communication with physicians, employees, and insurance carriers
  • Claim Mod-Analysis to ensure the mod is correct and to project what it will be the following year.
  • Supervisory training on loss prevention and claims management
  • Establishing long-term goals for cost reduction through claims management
  • Safety Documents in areas such as Fleet Safety, Employee Handbooks, Cell phone usage while driving, so on…
Claim Department Contacts
Director of Claims

David Wiggins - Director of Claims

David has worked for BHC Insurance since 2013, working with our clients to develop a best practices approach to claims management. His goal is to minimize the impact of claims on your insurance costs and assume a role as advisor and claims liaison with your insurance carrier. David has a track record of reducing the burden of claims management and positively impacting the outcome of every claim.

David graduated from the University of Arkansas with a major in Political Science and Public Administration. From 1989 through 2009 David worked for the Travelers Insurance Company as a multi-line Adjuster in Memphis Tennessee, a Unit Manager for workers compensation (Beverly Enterprise Unit), and a Unit Manager for the property department for Arkansas and West Tennessee. Prior to coming to BHC Insurance, he also worked as a property and casualty Agent for Arkansas Farm Bureau and then Reed Williams Commercial Insurance Agency in Poteau Oklahoma. He brings a wealth of knowledge and experience to help on impacting your total cost of risk.

Insurance Claims Analysts

Jeanalee Adams – Insurance Claims Analyst

Jeanalee works with our clients to help reduce the claim cost by making sure that the claim departments investigate the claims properly and in an expeditious manner. Jeanalee also helps gather information that is necessary for the claims Adjusters to make the appropriate decisions promptly and pushes for timely claim closure. With her strong workers comp background, she monitors the reserves that effect the modification rates of our clients. Prior to joining BHC, Jeanalee has 20 years of claim experience; 16 of which were with Travelers.

Hunter Means – Insurance Claims Analyst

Hunter has a vast background in customer service in the auto sector. His primary role since joining BHC is to communicate constantly with clients throughout the claims process to help minimize their casualty claims exposure and to help expedite property and auto claims. We want to team up with our clients to be their concierge in make the claims process the least disruptive to their business and as seamless as possible. Hunter is a key part of that initiative.