HUB International Team + Cascadia Healthcare

DOT fleet compliance review

Assessment of Cascadia's regulated operations against FMCSA requirements, covering hours of service, vehicle maintenance records, and drug and alcohol program administration.

Driver qualification file auditTravel upon request if onsite is preferred

File by file review against federal requirements. Identifies missing motor vehicle records, expired medical certificates, and incomplete employment verification before a file gets pulled after an accident.

CSA score analysis

Review of Cascadia's safety scores by category, showing which sit above federal intervention threshold and what is driving them. Scores follow the operating authority into your program.

Telematics platform review

What Cascadia runs today, what the contract costs, and what it costs per unit. We support the commercial conversation with the vendor.

Accident register and preventability review

Three years of Cascadia's accidents read for pattern rather than count, with their preventability standard tested against yours.

Defensive driver training program

Structured driver curriculum with completion tracking, delivered online or onsite, to bring drivers across locations onto a single standard.

Supervisor accident investigation training

Supervisor level training on post accident procedure, scene documentation, and driver coaching. Distinct from operator training and usually the weaker of the two.

Fleet policy and accident review board design

Fleet program structure, written policy, and the review board process that decides what counts as preventable and what happens next.

Claims reserve audit

File level review to find claims reserved too low, which hides liability that surfaces later, and claims reserved too high, which inflates the modifier and the premium you pay.

Experience modifier verification

The published modifier checked against the actual loss record. Errors in the rating worksheet are common and correcting them is a direct premium reduction.

Modifier trajectory modeling

Projection of how Cascadia's open claims will develop into future rating periods. Tells you what the modifier will be, not what it is today.

Class code and payroll allocation review

Verification that payroll sits in the right class codes and the right states. Misallocation is one of the most common premium errors and it surfaces at audit if it is not caught first.

Injury trend and root cause analysis

Claims read for pattern rather than volume, which is what separates a run of bad luck from a program that is not working.

Return to work program reviewTravel upon request if onsite is preferred

Assessment of Cascadia's modified duty program, which is the largest controllable driver of claim duration and therefore claim cost.

Carrier and adjuster handling review

How well the incumbent carrier has handled Cascadia's claims, and whether service terms are worth preserving or replacing at renewal.

Claims reporting protocol alignment

Reporting timelines, investigation standards, and escalation paths matched to yours. Reporting lag is expensive and it is fixable in week one.

OSHA log review and injury rate benchmarking

Injury records analyzed and benchmarked against Cascadia's own industry code, which shows whether a clean loss year reflects a good program or a quiet one.

Written safety program auditTravel upon request if onsite is preferred

Program by program review against regulatory requirements, identifying what is missing, what is out of date, and what exists on paper without evidence in the field.

Onsite safety inspectionTravel upon request if onsite is preferred

Field assessment at Cascadia's operating locations with written recommendations ranked by hazard. This is the check on whether the paperwork matches the floor.

Citation and abatement history review

Open citations, inspection history, and abatement status. An open citation is an inherited penalty exposure and a signal about what regulators already found.

Training records and matrix reviewTravel upon request if onsite is preferred

Who has been trained on what, when it expires, and where the gaps are by role and location.

Contractor and subcontractor prequalification review

How Cascadia vets the firms it hires and whether its indemnity and insurance requirements hold up. Weak prequalification transfers other people's losses to you.

General liability exposure assessment

Third party bodily injury and property damage exposure, including visitor and public interface at your locations.

Industrial hygiene assessment

Exposure monitoring for airborne and physical agents.

Environmental compliance review

Waste handling, storage, and reporting obligations, across locations.

Ergonomics assessment

Task level assessment for the manual handling and repetitive work that drives soft tissue claims.

Employment practices program review

Harassment and discrimination program structure and training, which is the control on employment practices liability exposure.

Carrier recommendation advocacy

Management of open loss control recommendations from Cascadia's carrier, including response drafting and closure. Open recommendations compound into renewal friction.

Equipment schedule and valuation reviewTravel upon request if onsite is preferred

Equipment reviewed against current replacement cost. Equipment schedules age badly and underinsurance is only discovered after a loss.

Schedule of values review and enrichment

Locations reformatted into an underwriter preferred schedule with flood zone, distance to coast, and geographic coding appended automatically.

Catastrophe modeling

Modeled loss expectancy by peril, run on the same platform underwriters use. For Pacific Northwest operations the question is earthquake and what each acquisition adds to your accumulation.

COPE data collection and validationTravel upon request if onsite is preferred

Construction, occupancy, protection, and exposure detail verified. Incomplete data forces underwriters to price conservatively, which costs you at renewal.

Accumulation analysis

Radius based concentration analysis showing what happens when a single event hits several of your locations at once. Each acquisition adds to this.

Replacement cost valuationTravel upon request if onsite is preferred

Independent valuation review on buildings and structures to identify underinsurance before a claim proves it.

Fire protection system evaluationTravel upon request if onsite is preferred

Assessment of sprinkler, alarm, and suppression systems against recognized codes and standards.

Aerial imagery assessment

High resolution imagery providing detailed building attributes for underwriting, and rapid damage assessment after an event.

Disaster recovery vendor network enrollment

Access to a vetted national vendor network for mitigation, restoration, and equipment recovery, coordinated through a single contact after a loss. Vendors fund the program, so there is no management fee.

Cyber posture assessment

Current state assessment with prioritized remediation. An acquired facility materially weaker than your standard is exposed from the day of close, and its policy may not follow the transaction.

Business impact analysis

Identification of critical processes and how long you can be without them. This is also what sizes business interruption limits, which are usually a guess without it.

Incident response readiness

Whether Cascadia has a response capability that has actually been exercised, rather than a written plan nobody has run.

Third party and vendor risk review

Which vendors touch Cascadia's systems and data, and what exposure comes with them.

Business continuity and emergency action planning

Continuity program structure and site level emergency procedures, aligned across locations.

Physical site security assessmentTravel upon request if onsite is preferred

Access control, perimeter, and surveillance at your locations.

Workplace violence prevention program

Program structure, threat assessment capability, and the process for managing a threat once it is identified.

Fraud controls review

Governance, exposure identification, and the detection controls that catch it. Relevant on any acquisition where financial processes are being merged.

Safety platform onboarding

Cascadia entities and locations, including newly acquired ones, built into your risk management platform so recordkeeping runs on one system from the first reporting period.

Injury log and incident tracking migrationTravel upon request if onsite is preferred

Historical injury records loaded and incident reporting switched over, including mobile capture for supervisors.

Safety data sheet migration

Chemical inventory and safety data sheets moved into managed storage that satisfies the access requirement.

Training assignment and tracking setup

Curricula assigned by role with completion tracked by supervisor, so training status is a report rather than a search.

Certificate tracking setup

Certificate of insurance issuance and compliance tracking extended to Cascadia's named insureds and contract requirements.

Safety observation and audit tools

Field observation capture and structured self assessment, which builds the documentation trail that supports a claim defense.

Consolidated risk data feed

Policy, claim, exposure, and location data consolidated with direct carrier and administrator feeds, so the combined loss picture is complete year round rather than rebuilt at renewal.