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At TMN Risk, we listen. We partner with your business to deeply understand your operations, unique risks and risk appetite. Combining your business information with our diverse industry expertise allows us to provide you with a tailored risk strategy. Our strategic thinking and team approach is designed to deliver a risk program that reduces volatility and provides predictability and stability for years.
At TMN we focus on indemnity, insurance and other risk transfer provisions ensuring risk is transferred clearly and consistently. Thoughtful review of indemnity provisions, insurance obligations and insurance policies significantly reduces the possibility of unknown and uninsurable risks.
Our team works closely and regularly with insurance brokers, lawyers, financial consultants, actuaries and captive managers to develop unique risk solutions that identify and satisfy your business’s distinct risk appetite. These long-standing relationships combined with our creative, collaborative approach enables us to effectively develop innovative risk strategies that meet the needs of your whole business.
We help you develop claim response processes. In the event of a claim, TMN maintains regular communications with brokers, third-party administrators and insurers to drive a swift resolution while optimizing recovery of insurance proceeds. We also assist with tendering claims based upon contractual risk transfer terms, decreasing unexpected costs and insurance claims.
TMN’s ultimate goal is to develop a high-functioning risk program for every client. Our creative efforts and collaboration with brokers and businesses have led to innovative risk solutions such as the creation of captive insurance programs, total cost of risk monitoring and allocation, claim reporting processes, and natural disaster preparedness and remediation processes. Additional risk strategies implemented for TMN clients include shared and layered master insurance programs. TMN’s efforts led to a $1M+ decrease in operational expenses for one client and COVID coverage effectuated in March of 2020 at pre-pandemic liability rates for another.
Other notable projects highlighted on this page illustrate TMN’s ability to strategize and implement client-specific risk programs that produce optimal results.
Reduced cost of commercial insurance premiums by $1M when established a captive insurance subsidiary to provide coverage for liability and property claims
Created owner master builder’s risk program that offered up to $400M in limits per project with broad coverage terms at a premium rate 50% lower than rates quoted by general contractor’s insurers
Established ROCIP with an 18-month enrollment term and automatic $50M per project limit in lieu of CCIP decreasing costs and ensuring adequate coverage for all contractors and subcontractors
Recovered $5M in lost revenue from property insurers based upon manuscripted policy language that provided coverage when a third-party contractually obligated to carry property insurance was underinsured
We provide honest and candid advice. Our clients trust us with sensitive information and we don’t take that lightly. TMN Risk earns trust through transparency and open communication.
We see challenges as opportunities and do not stop working until we find the right solution for our clients. We are invested in building the best possible plan for our client’s specific needs.
Creativity is our special sauce. We analyze data and client concerns to develop unique risk plans specific to each business. We think outside the box and bring fresh ideas to the table.
Heather Ignoffo, J.D., is a detail-oriented creative thinker with over five years of experience in risk management. She excels at fostering collaboration across departments, effectively uniting finance, legal, and other teams to comprehensively mitigate risk.
Heather, a Chicago native, is happily married to the love of her life, and together they have three wonderful children. She finds her greatest joy in the company of family, close friends, and delicious food. An outdoor enthusiast, Heather loves spending her time in her garden or cycling through the beautiful landscapes.
As a detail-oriented and creative thinker with over 20 years of legal and risk experience, Heather Ignoffo excels at fostering collaboration among business partners and across corporate departments – effectively uniting finance, legal, and other teams to comprehensively mitigate risk.
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“Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat.”
At TMN Risk we value relationships and know that honest and trust-based interactions are essential for any successful business relationship. Please contact us to discuss how we can help your business.
312-519-4489
1033 South Blvd.
Oak Park, IL 60305
Our expertise, creativity and ability to develop customized risk strategies is the foundation of our success.
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