Lloyd Sadd - Our Philosophy

"Insurance is vital to my business, and I look for our insurance broker to be a ‘strategic business partner’, no different than our law or accounting firm. That vision I believe, is one that is shared by Lloyd Sadd. They continually tell me that their goal is to "understand my business, and help me become a better organization," and for that reason, I trust my services to Lloyd Sadd."

- Chris Lachance, President, Century Hospitality Group

"Lloyd Sadd's people are proactive risk managers. They answer questions easily and thoroughly."

- Paul Keppler, CFO, Stahl Peterbilt

“Lloyd Sadd not only eliminates the complexities behind insurance and bonding, but they find ways to help clients like Dawson Wallace reduce their insurance costs. In Dawson Wallace’s particular case, Lloyd Sadd has provided consulting services beyond expectation.”

- Wayne Wallace, President, Dawson Wallace

"Lloyd Sadd has consistently exceeded our expectations as our insurance and risk management provider. Over the years the service team have provided valuable advice and expertise. We consider Lloyd Sadd to be a trusted advisor to our organization and their contributions to our organization as invaluable."

- Mervin Grzybowski, Vice President, DynaVenture Corp.

“Over the past six years we’ve relied on Lloyd Sadd Insurance to help us develop and implement our risk management program in such a way that is proactive and cost efficient. Their fleet specialist, Brian Lowes, has been an invaluable asset in our program, reviewing and analyzing our fleet procedures and assisting us in creating an effective fleet safety manual.“

- Rowena Dixon, Sunfresh Farms Ltd.

Our Philosophy

Our Consultative Broker philosophy is designed to deliver services to reduce costs in areas beyond insurance rates and premium. Our approach is to broaden the view and manage the Total Cost of Risk (TCOR) that an organization has, which has dramatic impact on results – again well beyond the incremental changes in a rate or premium. The impact on results has shown to improve the financial position of an organization, improve loss performance, add to the stability of operations and reduce costs.

Organizations can use our philosophy to provide a yardstick to assess how an organization’s risk-related costs are changing relative to key measures such as revenues, employee count, asset base, and growth. TCOR identifies the imbalances in their risk management approach and strives for cost-savings. Overall, TCOR encourages organizations to look at risk management on an integrated and strategic basis.

We have found that TCOR and the Consultative Broker platform is very well suited to organizations and insurance programs that have grown or wish to grow from conventional insurance to various degrees of self insurance. It helps organizations move from traditional insurance buying to a comprehensive risk management program.

LloydSadd

Our Philosophy