Our Policy Response Unit (PRU) team supports risk management efforts with a highly professional and experienced claims team for our clients. We have strategically organized our claims operations to include insurance professionals with extensive technical skills and legal expertise in claims management.


The importance of claims management service in the insurance process can never be overstated. As an advocate for our clients, our main objective and focus is to ensure that the adjusting and settlement process associated with a claim is as efficient and economical as possible. When a claim occurs, our claims professionals actively engage with adjusters, insurers and legal representatives to help facilitate the settlement process and to make sure our clients receive the level of service, responsiveness and policy coverage they need and deserve.

Our team of experts supports in a multitude of ways related to the claims process and administration, which include:

A few of these areas include:

  • Aggressive Client Advocacy
  • Claim Reviews and Reserve Analysis and Management
  • Special Claim Handling Procedures
  • Large Loss Consultation
  • Provider Evaluation, Selection, and Management
  • Claims Auditing and Consulting
  • Rapid Response for Large Loss and Catastrophic Events

The breadth of our claims management expertise is extensive and includes the following coverage areas:

  • Business Automobile Liability and Property Damage
  • Complex Property
  • General Liability/Products Liability
  • Workers’ Compensation
  • Executive Protection and Employment Practices Liability


Through our long‐established relationships with major insurance markets, significant experience in handling a broad spectrum of complex claims, and our highly skilled claims professionals, we are well-positioned to provide our clients with the superior service and support they need not only when a claim occurs, but before a loss takes place.


  • Reviewing policy language and coverage specifications;
  • Providing underwriting support to assist in the carrier’s assessment of the Insured;
  • Identifying potential underlying exposures and trends to identify provisions of the policy that should respond to hypothetical claim scenarios;
  • Stress testing the integrity of policy language against how coverage might apply in various claims scenarios;
  • Manuscripting / negotiating protective language on critical policy terms;
  • Advocating/negotiating client interests directly with underwriters and insurers’ underwriting counsel;
  • Conferring with clients on claim and potential claim reporting processes;
  • Assisting in development/audit of litigation management program;
  • Establishing crisis response plan and identify specific response resources;
  • Coordinating adjuster and carrier agreements on experts / post loss procedures;
  • Review and audit of various program structures; and
  • Present coverage features and rationales to clients’ boards of directors
  • Assisting in reporting claims and potential claims;
  • Advising clients on defense counsel options, best practices and defense counsel performance and negotiating insurer approval of defense panel selections;
  • Travelling to loss location where feasible;
  • Notifying and coordinating with pre-selected vendors;
  • Coordinating and negotiating all aspects of the claim through settlement;
  • Overseeing expense approval / payment while addressing contested cost issues;
  • Sophisticated analysis of carrier reservation of rights and/or coverage denials;
  • Advocating client claim interests in connection with coverage issues;
  • Facilitating proper information flow to mitigate coverage obstacles;
  • Monitoring settlement processes and addressing coverage issues that may interfere with client efforts to reach a timely and cost-effective resolutions; and
  • Facilitating Loss Engineering, including attending property loss inspections and meetings; developing plans to best utilize insurer and/or third-party loss control services; supporting program development analytics; and assisting with collection of international exposure data

What to Expect from EPIC

Our team includes former practicing attorneys, risk managers, claim adjusters and insurance professionals with long, successful coverage and claim advocacy histories. Because our commitment is always to aggressively serve and protect our clients’ best interests, we are involved in the claims process early; proactively working with our client, consultants and attorneys, underwriters and carrier claims departments to strategically position maximum insurance coverage and limits recovery.

Our Leaders

Larry Reback Headshot
Larry Reback

Managing Principal – San Francisco, CA

John Selgrath Headshot
John Selgrath

Principal - San Francisco, CA

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