SUCCESS THROUGH PARTNERSHIP, EXPERTISE, FOCUS, AND TRUST
Where Peace of Mind Is Our Commitment
About THE American Family ENTERPRISE
About BESNARD/DVA
Besnard Insurance - Overview
Since 1979, Besnard has been supporting Owner/Operators of McDonald's restaurants. In this brochure, our clients get a glimpse into the unique experience we offer.
Dean Villella Agency
With over 30 years of experience working with Owner/Operators of thousands of restaurants, our Minnesota-based branch boasts a team of experts through experience. These experts have the knowledge and skills to guide clients through a unique, long-term relational model that ensures success for all.
Managers Safety U
Each year, we train over 20,000 Owner/Operator restaurant managers in safe practices through videos that we film on-site in the restaurants.
Newsletters and Information
We physically mail quarterly newsletters in color with special inserts to all our clients and their staff. These newsletters cover topics such as the latest trends and techniques for lowering claims and losses.
Safety Calendar
We provide free Restaurant Safety Calendars to all Owner/Operators for placement in breakrooms and other areas. These calendars are updated annually to reflect current trends and insights. We use them to help raise awareness about safety within the restaurants.
Loss Prevention - For Future Clients
We also invest in risk management for those who are not yet our clients. By preparing prospects to become future clients, we ensure that if they join our program, they already have a head start on minimizing risk effectively.
Mobile App
Our Mobile App is specifically designed for Owner/Operators. Watch the video below, or install the Mobile App on your phone today to experience its power in driving better partnerships and service firsthand.
OUR LEADERSHIP TEAM FOR MCDONALD'S
Adam Besnard
Adam Besnard
Adam Besnard
Adam began working in insurance for McDonald's Owner/Operators in 2008 and has since ascended to the roles of CEO and President. He also leads the McDonald's Program, with a focus on the success of all partners involved—Carriers/Markets, Owner/Operators, and the McDonald's System/Brand.
Rob Barnes
Adam Besnard
Adam Besnard
Rob leads the departments of Sales, Loss Prevention, Data Analytics while running our North Tampa branch. He joined the company in 2012 and also serves as the Producer for the program in CIP (Coastal Insurance Program) regions.
Mike Lutz
Adam Besnard
Ashley Rausa
Mike oversees all aspects of Loss Prevention and Safety Education within the organization. Leading with a proactive approach, he ensures at least monthly interactions with every client. This frequent communication is designed to offer ongoing support in keeping client teams well-trained and up-to-date on current trends, prevention chang
Mike oversees all aspects of Loss Prevention and Safety Education within the organization. Leading with a proactive approach, he ensures at least monthly interactions with every client. This frequent communication is designed to offer ongoing support in keeping client teams well-trained and up-to-date on current trends, prevention changes, and best practices in the field. By doing so, Mike aims to minimize potential risks and enhance workplace safety, ultimately contributing to success.
Ashley Rausa
Becca Chamberlain
Ashley Rausa
Ashley leads the Claims department, which involves onboarding new Third-Party Administrators (TPAs) or Claims Teams, serving as a Claims Liaison, and overseeing the performance of all involved to ensure the best possible outcome for each claim. Having started her career as a Claims Adjuster right out of college, Ashley has earned the res
Ashley leads the Claims department, which involves onboarding new Third-Party Administrators (TPAs) or Claims Teams, serving as a Claims Liaison, and overseeing the performance of all involved to ensure the best possible outcome for each claim. Having started her career as a Claims Adjuster right out of college, Ashley has earned the respect of both the adjusters she works with and the clients she serves.
Steve Strigler
Becca Chamberlain
Becca Chamberlain
Steve spent 14 years working for McDonald's Corp. and now leads several key areas in our Program Division for McDonald's, including: McDonald's Corp. Relations/Liaison, Legal/Partnerships, and Program Audits.
Becca Chamberlain
Becca Chamberlain
Becca Chamberlain
Becca heads the Policy Services Team, which takes comprehensive responsibility for a range of essential insurance operations. Her team's duties encompass everything from binding coverages and delivering policies to managing endorsements and collections. Additionally, they handle the intricate tasks of financial reconciliations and border
Becca heads the Policy Services Team, which takes comprehensive responsibility for a range of essential insurance operations. Her team's duties encompass everything from binding coverages and delivering policies to managing endorsements and collections. Additionally, they handle the intricate tasks of financial reconciliations and bordereau reporting, ensuring a seamless and accurate process for our clients.
Policy Services
Value
- Due to our team's focus solely on Owner/Operators, our Client Managers and their teams bring great long-term value to the program and improve insurance partnership outcomes.
Service
- When clients call us, they will speak with their dedicated Client Manager while also having direct access to our full team. We do not use a generic call service or a call center. Our clients have our mobile phone numbers and can reach us at anytime.
Trust
- We work for Owner/Operators, not unknown shareholders or stockholders. We take great pride in exceeding expectations and working hard for them every day. This is a long-term partnership and we treat Owner/Operators as part of our family.
Advisor
- Due to our industry and concept-focused model, we know our clients' business and can advise in proper protection and coverages tailored to their needs. Partnering with us brings better results, both short-term and long-term.
Ease of Doing Business
- We have an obsessive focus on delivering for our clients/friends – within their timeframe, not ours. We respond quickly and act with a sense of unparalleled urgency.
Long-Term Approach
- We are dedicated to providing our Owner/Operators (clients) with loyal and lasting relationships built on competitive value-based programs, consistency, superior service, and outstanding insurance products and coverages.
Loss Prevention
Prevention
- Online Manager Safety Training (over 20,000 courses per year)
- Regular Client Meetings
- Quarterly Newsletters (mailed in color)
- Summer of Safety
- and so much more...
Profiting From Safety
- Web Version: www.ProfitingFromSafety.com
- Mobile App: https://www.profitingfromsafety.com/mobile-app-intro-video/
Claim Defense
- By understanding Loss Prevention items in the restaurant, restaurant design, standards, and more, this helps support the Claims Adjusters (and support team members) best formulate their defense/arguments in order to driving the best possible claim outcomes.
UNDERWRITING
Basics
Insurance underwriting in a program for general liability is a specialized practice that leverages underwriting guidelines and program administrators' discretion to achieve optimal profitability.
In the context of Main Street Insurance Company, this involves a few key steps to success:
Standard Underwriting Guidelines
- Risk Assessment: The first step is the evaluation of risks associated with businesses applying for general liability coverage. This involves looking at factors such as business operations, history of claims, location, knowledge of the operator, and size of the business.
- Pricing and Coverage: Based on the risk profile, the underwriters decide the pricing for the premium and the terms of the coverage. This is usually done in accordance with established underwriting guidelines that set the parameters for pricing and coverages.
- Policy Issuance: If the applicant meets the criteria set in the underwriting guidelines, a policy is issued. The guidelines usually include minimum eligibility criteria and might also list types of risks that are not currently a fit.
Program Administrators' Discretion
- Customization: Program administrators have the discretion to modify standard guidelines for specialized industries or unique risks. For example, they might opt for more stringent guidelines for high-risk areas.
- Negotiation: Program administrators often have the flexibility to negotiate terms with prospective policyholders, especially for large accounts or in cases where the risk profile is borderline.
- Monitoring: It is essential to continuously monitor the performance of the underwritten portfolio to identify trends, loss ratios, and profitability. This allows for timely adjustments to underwriting criteria and pricing.
- Risk Management Services: To enhance profitability, program administrators may offer risk management services to policyholders. This can lower the frequency and severity of claims, improving the portfolio's performance.
Profitability for Main Street Insurance Company
- Diversification: By having a well-managed program business, Main Street Insurance Company can diversify its portfolio to include a variety of industries and risk profiles, reducing the impact of large losses from any single segment.
- Efficiency: Standardized underwriting guidelines enable quick and efficient policy issuance, reducing operational costs.
- Client Retention: Tailored offerings, guided by program administrators' insights, often lead to higher client satisfaction and retention rates, thereby sustaining long-term profitability.
- Dynamic Adjustment: Ongoing monitoring and the ability to adjust guidelines swiftly allow Main Street Insurance Company to adapt to changing market conditions, ensuring the portfolio remains profitable over time.
Summary
- By combining robust underwriting guidelines with the skilled discretion of program administrators, Main Street Insurance Company aims to drive the best possible profitability in its general liability program business.
CLAIMS
Client Liaison
- Maintaining and managing individual claim contacts for all policyholders, so our adjusters know who to go to for claim information to move as quickly on claims matters as possible
- Connecting adjusters to our policyholders when they seemingly can’t reach them in regard to necessary evidence for claims to help with denials, defense, etc.
- Educating policyholders on the importance of claims management and evidence gathering
- Training managers and policyholder office staff on best practices for claim managers and how this impacts claim outcomes
- Recognize when policyholders have issues that require advocacy calls amongst all parties to avoid surprises and unknown settlements
Claims TPA Partnership/Oversite/Support
- Maintaining special handling instructions for policyholders and ensuring they are being followed by adjusters which includes collaboratively enhancing our common defenses since every incident has happened prior
- Updating Claims TPA on policyholder restaurant/store changes throughout the policy year
- Review of LLR’s on a regular basis to 1) offer insight, or assistance to bridge communication gaps or 2) ensure policyholders are up to date on claim status
- Attend and participate in monthly claim meetings with carrier and TPA to discuss special projects, program status, and high-level overview of program specifics
Franchisor
- Coordination of protocols, processes, and efforts between adjusters and carriers alongside TLPG (Tort Litigation Practice Group) - representative of the franchisor
Data/Reporting
Annual Bind File
Monthly Bordereau
Monthly Bordereau
On March 1st of each year, the Bind File is transmitted to Andy/Dan. They then share this with the respective MSA Team and others supporting them. It includes very detailed per account data, location data, and claims data from the application/submission process.
(See MSA Head of Commercial Lines if you require a copy for your role).
Monthly Bordereau
Monthly Bordereau
Monthly Bordereau
During the first week of each month, the Policy Services team sends a monthly bordereau including all endorsements/changes in the prior month. This is an agreed upon Excel format and very easy to reconcile/process. (See MSA Head of Commercial Lines if you require a copy for your role).
Claims Data
Monthly Bordereau
Claims Data
NARS has the claims data since the program's launch. Prior data is on file too with MSA.
(See MSA Head of Commercial Lines if you require a copy for your role).