Jeff Heet, CRIS
Welcome
Jeff Heet serves as the Managing Partner and Outsourced Risk Manager at Insurance Office of America (IOA), an esteemed insurance agency ranked as the fourth largest privately held in the nation. He specializes in risk transfer, risk financing, and risk management, offering valuable insights that significantly impact his clients’ financial outcomes. He prioritizes assessing the total cost of risk and designing customized insurance programs using IOA’s exclusive risk management process called Risk Score. This process functions akin to a credit score, analyzing a company’s pre-claim/post-claim and pre-hire/post-hire procedures to identify areas where risk costs can be reduced. By implementing the Risk Score methodology, businesses can enjoy substantial decreases in insurance premiums and stable rates, thereby maintaining control over their insurance costs and risks in both challenging and favorable market conditions. Jeff leads a dedicated team that collaboratively implements the risk score process, working together to reduce clients’ total cost of risk. Taking a proactive approach, Jeff’s team stays ahead of emerging trends and skillfully manages the entire risk management process. Acting as the central point of coordination, Jeff guides the team towards achieving reduced costs and enhanced risk control for their clients. Jeff’s unwavering commitment to his clients earned him the prestigious title of national IOA Risk Manager of the Year in 2019.
Riskscore
Risk Score – IOA’s proprietary process to drive down your total cost of risk.
Overview
You need to lower your risk, your claims and your premiums. That’s where IOA experts and RiskScore® come in.
RiskScore is like a credit score for your business. It identifies your strengths and opportunities in four key risk areas. Through this understanding, we implement industry best practices to eliminate some of the cause of your exposures at their core. The survey takes less than 10 minutes to complete and focuses on four key disciplines called the PX4 process: pre-hire, post hire, pre-claim, and post claim.
We take your business to market with insurance carriers that provide you with the best coverage at the right price. When accidents happen, we act in your favor throughout the claims process and work with you to decrease the frequency and cost of claims, which ultimately results in money back to your bottom line.
Our risk services team’s proactive approach helps your organization before you have a claim. We advocate for our clients and leverage our many years of experience in guiding our clients through claims.
RISKSCORE BENEFITS
- Like a credit score, the better your score, the better your terms and conditions.
- Your internal gap analysis identifies areas of strength and opportunity to build your team.
- Best practices are identified to help mitigate overall business exposure.
- Empirical data begins the pre-audit process for underwriters.
CREATED WITH CARRIERS & INDUSTRY LEADERS
- Carrier Underwriters
- Loss Control Specialists
- Corporate Controllers
- Professional Risk Managers
THE PX4 PROCESS
- Pre-Hire
- Post-Offer
- Pre-Claim
- Post-Claim
Request for Risk Score Survey
Services
Commercial Insurance
Risk Management
Cyber Assesment
Case Studies
✮✮✮ Testimonials ✮✮✮
✮✮✮ Testimonials ✮✮✮
It has been eighteen months since California Commercial Security made the strategic decision to leave its PEO arrangement and long-standing partnerships with two separate insurance brokers and put it all in the hands of Insurance Office of America - San Diego. On behalf of our management team and employees, I can categorically state it was an excellent decision! The range of resources, tools, and expertise in all areas of risk management, risk advocacy, insurance, competitive pricing, vendors, human resources, training, and regulatory compliance is outstanding. As I have stated before, partnering with IOA has been like trading a jalopy for a Porsche! Your "best-in-class" team consistently delivers reliable performance, accountability, customer service, and the comfort of knowing there is no issue, no challenge, and no question that IOA cannot help us solve. Thank you for your team's service and your leadership. Your continued success is also our own.
"I bring value to myself by being able to connect my clients with people that will conduct business in their best interest. Jeff is someone I trust completely to do just that as he takes the time to help my clients in educating them on different insurance needs and options by genuinely understanding my clients' business. I trust Jeff because of his level of service and attention to detail. He has been a great partner to work with as he has the client’s best interests at heart and it shows in his consultative approach. He educates clients with options and gives his recommendations but allows them to make the decision that feels right for the organization, a true partner to his clients. I have heard nothing but good things from clients that we have worked with together."
"I bring value to myself by being able to connect my clients with people that will conduct business in their best interest. Jeff is someone I trust completely to do just that as he takes the time to help my clients in educating them on different insurance needs and options by genuinely understanding my clients' business. I trust Jeff because of his level of service and attention to detail. He has been a great partner to work with as he has the client’s best interests at heart and it shows in his consultative approach. He educates clients with options and gives his recommendations but allows them to make the decision that feels right for the organization, a true partner to his clients. I have heard nothing but good things from clients that we have worked with together."
"What you will gain from speaking to and meeting with Jeff is invaluable business partner whose heart and passion are to help you with your companies biggest threat - fraud, claims and culture. His expertise and attention to detail sets him apart from his peers and the value he brings to organizations, while they may have a direct positive impact on your bottom line, is an understanding of what the entire process looks like and what you can expect. Jeff is a true master of his craft and I can easily and confidently refer him to any of my clients - and you will too."
"I work in the same space (Asset/Liability Protection) as Jeff and frankly on a technical level would be a competitor but Jeff does such great work taking care of clients that I consistently recommend him to my clients. Jeff is honest, thorough and truly cares about others and I see this on a weekly basis as we work together to help clients".
"Jeff Heet was highly recommended by a family friend with a construction business (One of Jeff’s clients). We signed on with him as the “broker of record,” which is what you have to do to get quotes as companies will only deal with one broker at a time. Our Broker was blocking the markets without coming up with a solution so we let Jeff help us. Jeff was able to reclassify our employees which reduced our estimated annual premium and workers compensation insurance rates by more than 50%. These class codes where also used to dispute and reduce our $47,000 audit".
"I always know that Jeff is looking out for the best interests of our company. He was able to reduce our insurance premiums by over 30% which is alot when you have over 15 entities and he was able to save us a lot of money through his risk management programs. Thank you Jeff and your team for all the amazing service you provide."
"I was introduced to Jeff by my payroll company. My insurance premiums kept going up and I wasn't receiving the help I needed from my current broker. Jeff was able to come in and show me a way to reduce my premiums, increase my safety training, manage my claims, reduce fraudulent claims, and set my company up for success. He saved my company over 30% on my auto and liability policies and over 50% on my workers compensation in the first year. The total savings where over $110,000 with all the safety programs included to keep my rates low year after year. I recommend Jeff to everyone I know. His approach and expertise is unlike any other Insurance Agent I have ever met. Call him and just spend 20 minutes talking about the value he brings to your company and you will see that his approach gets results and sets your company up for increased profits and productivity. He also has an amazing team around him such as Health Insurance Advisors, 401k advisors, payroll support, CPA's, HR support, lawyers, etc. to help my business grow. When you meet with Jeff you will see that he isn't about immediate profits. He is about doing what is best for your company and building a long term bond with you and your company. "
"Jeff goes over and above my expectations, always has a great team behind him and has proven to be a tremendous benefit for me and my company. Jeff, Dennis and IOA Team, Thank you all so much in taking a personal interest in our company, and in the issues that we face. We appreciate the time and effort that you have given in this effort. There is a wealth of great information shared in all of our meetings. My team will work with these ideas and integrate them into a plan for success that will hopefully benefit our entire company."
" Jeff was able to reduce our claims substantially after he took over our current Insurance Program that we had with Hub International for many years. We implemented Jeff's Risk Management Programs and we reduced our Insurance Premiums by over 40%. Company morale is up and we are now able to offer contributions to our Group 401k plan. Jeff has proven himself to me and I refer him every opportunity I get".
"As a Consulting CFO, IOA has been instrumental in supporting my clients. IOA works with each client to understand their specific business and the areas where insurance is critical in mitigating risk. Additionally, IOA provides an incredible service in benchmarking industry standards to identify if a business is adequately insured. IOA partners with our clients to support all of their insurance needs. I am grateful for their help and their ongoing excellent client service. We became a client of theirs after working with them."
INDUSTRY & PRACTICE NEWSLETTER
Jeff collaborates with industry specialists who possess a profound understanding of your specific field, ensuring optimal outcomes for your business.
- Transportation Practice Gives Insurers Full Picture of Clients
- Transportation Practice at a Glance
- Trade Contractor Practice Spotlight
- Trade Contractor Practice at a Glance
- Staffing Practice at a Glance
- Multifamily Practice at a Glance
- Management Liability Practice
- Management Liability Practice at a Glance
- Risk Management & Safety Solution
- Developer & General Contractor Practice
- Developer & General Contractor Practice at a Glance
- Cyber Practice at a Glance
- Condominium Practice at a Glance
- Commercial Practice at a Glance
- Bond Practice at a Glance
Memberships
- Palm Valley Country Club
- La Jolla Provisors
- San Diego Rotary- Club 33
- San Diego Roofing Contractors Association
- IOA Risk Services Advisory Council
- National Roofing Contractors Association
Corporate IOA Insurance Services of America - License #012345678 • Jeff Heet - Individual License #0I18030