HRS provides risk management solutions for the healthcare services community. We use the Enterprise Risk Management (ERM) approach to evaluate the exposure to loss of our clients and to develop solutions for the management of those exposures and the protection of our clients assets. The solutions range from the traditional risk transfer arrangement to the highly individualized and creative Alternative Risk Transfer (ART) products. Our practical understanding of the healthcare industry, combined with our knowledge of the options available in the field of risk management and risk mitigation, makes us the premier provider of specialty insurance solutions for healthcare organizations.