“Safeguarding companies to help mitigate risk”

WHAT WE DO

DHR is fully committed to the needs of our clients and strives to provide the highest quality of service in the industry. Our primary goal is to build long-term relationships with each of our clients. We believe that the best operating model for an MGU is when the Producer and MGU work as partners, with each other’s interest as a foundation for joint success. We achieve this by utilizing sound underwriting practices, competitive products, swift dependable service, fast and accurate claim reimbursements, and shared responsibility.

PRODUCTS

Our Services Include

24 to 48-hour turnaround on proposals is standard

Claims paid within 5 business days provided all required documentation is submitted

Proven track record of consistent stable underwriting

Direct contact with our underwriting team

Reference based
pricing

Cost containment
solutions

DHR Underwrites
on behalf of

UNITED STATES FIRE
INSURANCE COMPANY*

  • AM Best Company Rated A (Excellent)

Fidelity Security Life Insurance Company LogoFIDELITY SECURITY
LIFE INSURANCE COMPANY® **

  • AM Best Company Rated A (Excellent)
  • Life Health Ward’s 50® Top 50 Insurance Carriers in 2018 and 2019

Specific Stop-Loss:

Specific Deductible: $25,000 to $1,000,000

Minimum Number of Lives: 100

Multiple contract basis options available

Aggregating Specific Deductible options available

Discounts for evaluated PPO networks and Utilization Management

Specific Terminal Liability available

Aggregate Stop-Loss:

Wide range of Contract Claim Basis: 12/12,12/15,12/18,12/24, 18/12,15/12 and Paid. (Other options available provided contract does not exceed 12 months)

Monthly Aggregate Accommodation available at $1.50 per member/monthly

Aggregate Terminal Liability available

Requested Contract Information

  • Specific deductible, up to three
  • Specific Contract Basis, up to three
  • Aggregate Contract Basis, up to three
  • Additional Stop-Loss policy options; TLO and/or aggregate accommodation

CASE INFORMATION TO SUBMIT

  • Company name & complete address of all locations.
  • Renewal date
  • Industry Type or SIC
  • Commission – up to 15%
  • Current PPO network
  • Current rates & factors
  • Employee information: Complete census including age/birth date, sex, coverage, zip codes for each employee.
  • Benefit description including complete schedule of benefits.

FULLY INSURED GROUPS

  • Current Insurance Company
  • Experience, large individual claims data, monthly experience reports, and monthly enrollment (Minimum two years, preferably three)

SELF FUNDED GROUPS

  • Current Stop Loss carrier;
  • TPA/ Carrier documented claim experience for the current and the prior two years. Including specific claims, aggregate reports, existing lasers and monthly enrollment

ABOUT DHR

DHR was formed by Paul R. Pollock. Paul has owned and/or operated MGU’s since the early 1980’s. He has assembled a dynamic team who possess the experience and knowledge base needed to provide exceptional service and sound advice. The members proudly share in the ownership of DHR.

OUR TEAM

Paul Pollock
Managing Member
FULL BIO | CONTACT

Cheryl Pellegrino
RN, COO, Member
FULL BIO | Contact

Kirstin Coppola
VP Sales & Marketing, Member
FULL BIO | CONTACT

Jessica Pellegrino
Stop Loss Coordinator
FULL BIO | CONTACT

Barney Sebastian
Underwriter, Member
FULL BIO | CONTACT

Jennifer Warren
Claims Manager
FULL BIO | CONTACT

CLAIMS

DHR Specific Claim Reimbursement Form
DOWNLOAD

DHR Aggregate Claim Reimbursement Form
DOWNLOAD

Please submit all RFP’s to our quote inbox at Quotes@dhrmanagement.com

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DHR MANAGEMENT, LLC

701 White Horse Road, Suite 3 | Voorhees, NJ 08043 | Phone: 856-346-1300 | Fax: 856-346-3200

*Plans are underwritten by DHR on behalf of United States Fire Insurance Company, Fairmont Specialty, and Crum & Forster are registered trademarks of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2015.

**Fidelity Security Life Insurance Company® has been rated A (Excellent), based on an analysis of financial position and operating performance by A.M. Best Company, an independent analysis of the insurance industry. For the latest rating, access www.ambest.com.