BCF Group is a modern insurance agency focused on managing risk for businesses, families and individuals. BCF Group, and any other insurance agency, can provide you with an insurance quote. It's possible to reduce your cost of insurance by changing companies. This may help in the short term, but only results in minor savings and does not significantly impact your organization or your bottom line. To considerably reduce costs, you have to look beyond the insurance buying process and understand the cost of risk. At BCF Group, we help you understand the difference between cost of risk and cost of insurance, and then build a plan to improve your risk profile and improve your bottom line.