JULY 2023HR TECH OUTLOOK 19understand the gravity of such situations and how it affects them, they are ready to invest in policies that protect their workers.CharSan partners with direct carriers, wholesalers, and MGAs in the private sector to provide clients with a wide range of compensation packages. It believes that assigned risk and state coverage should be the last resort.Collaborating with wholesalers comes with many benefits, including bundled packages, coverage for multiple states, and lower rates compared to assigned risk policies. Through pre-existing relationships with wholesalers, CharSan aims to provide the best coverage for its clients.INTERCEPTING NEEDS BEFORE THEY ARISECharSan stays in contact with clients after selling them a policy as part of their after-sales practices. It tracks their organizational growth and offers them new plans and policies as they evolve. After 10 to 15 days, it contacts them to respond to questions they may still have regarding their policy and to find out if they landed their sought-after project. Six months later, it contacts the client again and asks about their business's growth, whether they are working in other states, and if they require assistance on new projects. These follow-ups regarding policy changes, payroll increases, and shifts in operating locations keep costs down and prevent conflict pertaining to the client's policy. Illustrating CharSan's proactive follow-up success is an instance when it offered a client a better package that covered multiple states. The client hesitated, as they had no plans to expand to other states. CharSan noted that most companies end up operating in multiple states after growth, convincing the client to go with the suggested plan. When it conducted a follow-up a few months later, the client announced that they expanded their operations and were working in multiple states, which was easily accomplished with the revised plan in place.DELIVERING INSURANCE WITH POSITIVE CHANGECharSan is the result of Uribe's passion for the insurance industry. She did not plan on creating an agency when she started out in the sector. However, her previous employment instilled within her a keen interest in the insurance world, and her inclination to help others fueled her to dig deeper into the sector's independent side.Watching clients grow and develop after they work with CharSan is gratifying for Uribe, especially when they grow from a small business into a profitable enterprise. For this reason, it continues to offer its services to large-scale companies and start-ups alike.Driving a positive change for clients is a vital mission for Uribe. She aims to emulate the way others influenced her to achieve greatness to do the same for her clients. CharSan goes the extra mile to guarantee maximum protection for clients and distinguishes itself as an essential partner in delivering only the best workers' compensation solutions. Our aim is not just to sell an insurance policy, but also the need for the policy and its importance in securing worker healthSaray Uribe, Owner
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