{"id":20068,"date":"2024-09-17T05:56:34","date_gmt":"2024-09-17T09:56:34","guid":{"rendered":"https:\/\/davies-group.com\/northamerica\/?post_type=insurance-services&#038;p=20068"},"modified":"2025-05-14T17:08:25","modified_gmt":"2025-05-14T21:08:25","slug":"accident-health-audits","status":"publish","type":"insurance-services","link":"https:\/\/davies-group.com\/northamerica\/insurance-services\/audit-solutions\/accident-health-audits\/","title":{"rendered":"Accident &amp; Health Audits"},"content":{"rendered":"\n<div class=\"wp-block solutions\">\n\n    \n<span class=\"hero-bg\">\n    <section class=\"solutions-hero-section\"   >\n\n        <div class=\"hero-content\">\n            <h1>Accident &#038; Health Auditing Services<\/h1>\n            <h2>Leveraging extensive industry knowledge &#038; expertise to deliver quality, comprehensive audits<\/h2>\n            <h3><\/h3>\n\n                            <button type=\"button\" class=\"seablue-button button\"\n                        data-toggle=\"modal\" data-target=\"#freeconsultation\">Contact Us                <\/button>\n            \n        <\/div>\n                                <style>\n                .mask1 {\n                    -webkit-mask-image: url('https:\/\/davies-group.com\/northamerica\/wp-content\/themes\/daviesgroup-na\/assets\/solution-header-mask.svg');\n                    mask-image: url('https:\/\/davies-group.com\/northamerica\/wp-content\/themes\/daviesgroup-na\/assets\/solution-header-mask.svg');\n                    -webkit-mask-repeat: no-repeat;\n                    mask-repeat: no-repeat;\n                    mask-size: cover;\n                }\n            <\/style>\n\n            <div class=\"mask1\">\n                <img decoding=\"async\" src=\"https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2024\/09\/shutterstock_2076774271-scaled.jpg\" alt=\"\" >\n            <\/div>\n            <\/section>\n<\/span>\n\n    <!-- Hero Form Modal -->\n    <div class=\"modal fade\" id=\"freeconsultation\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"freeconsultation\" aria-hidden=\"true\">\n        <div class=\"modal-dialog modal-dialog-centered\" role=\"document\">\n            <div class=\"modal-content mt-2 rounded-lg\">\n                <div class=\"modal-header\">\n                    <h5 class=\"modal-title\">Contact Us<\/h5>\n                    <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n                        <span aria-hidden=\"true\">&times;<\/span>\n                    <\/button>\n                <\/div>\n                <div class=\"modal-body\">\n                                        Please complete the form below to connect with a team member                    \n<div class=\"wpcf7 no-js\" id=\"wpcf7-f20432-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"20432\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/northamerica\/wp-json\/wp\/v2\/insurance-services\/20068#wpcf7-f20432-o1\" method=\"post\" class=\"wpcf7-form init\" id=\"contactus-AccidentHealthAudits\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"20432\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.1\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f20432-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"Susan.Arsenault@us.davies-group.com\" type=\"hidden\" name=\"destination-email\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"contactus-Accident&amp;HealthAudits\" type=\"hidden\" name=\"html_id\" \/>\n\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"full-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Full Name\" value=\"\" type=\"text\" name=\"full-name\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-company\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Company\" value=\"\" type=\"text\" name=\"your-company\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-telephone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-text wpcf7-validates-as-tel\" aria-invalid=\"false\" placeholder=\"Phone\" value=\"\" type=\"tel\" name=\"your-telephone\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-position\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Job Title\" value=\"\" type=\"text\" name=\"your-position\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Message\" name=\"your-message\"><\/textarea><\/span>  <\/label>\n\n<div class=\"form-selection\">\n  <p>What would you like to discuss with us?<\/p>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"service_choices_solutions\"><span class=\"wpcf7-form-control wpcf7-checkbox wpcf7-validates-as-required\"><span class=\"wpcf7-list-item first\"><input type=\"checkbox\" name=\"service_choices_solutions[]\" value=\"Accident &amp; Health Audits\" \/><span class=\"wpcf7-list-item-label\">Accident &amp; Health Audits<\/span><\/span><span class=\"wpcf7-list-item last\"><input type=\"checkbox\" name=\"service_choices_solutions[]\" value=\"Others\" \/><span class=\"wpcf7-list-item-label\">Others<\/span><\/span><\/span><\/span>\n  \n<\/div>\n<span id=\"wpcf7-69e8fe09a7d6f-wrapper\" class=\"wpcf7-form-control-wrap website-329-wrap\" ><input type=\"hidden\" name=\"website-329-time-start\" value=\"1776877065\"><input type=\"hidden\" name=\"website-329-time-check\" value=\"4\"><label for=\"wpcf7-69e8fe09a7d6f-field\" class=\"hp-message\">Please leave this field empty.<\/label><input id=\"wpcf7-69e8fe09a7d6f-field\"  placeholder=\"Add comment\"  class=\"wpcf7-form-control wpcf7-text\" type=\"text\" name=\"website-329\" value=\"\" size=\"40\" tabindex=\"-1\" autocomplete=\"off\" \/><\/span>\n<div class=\"button-left\"><button type=\"submit\" class=\"salmon-button has-spinner\" id=\"submitbutton\">Submit<\/button><\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n                <\/div>\n                <div class=\"modal-footer\">\n                    <button type=\"button\" class=\"seablue-button button\" data-dismiss=\"modal\">Close<\/button>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div><!-- end of Hero Form modal -->\n\n        <section class=\"solutions-module-one\">\n        \n        <h2>Customized Audits to Meet Your Objectives<\/h2>        \n        <div class=\"text-columns-section\">\n                                    \n                    <div class=\"module-one-text-left\"><p>Davies specializes in accident and health audits of risk-bearing entities, such as employer group\u2019s self-funded health plans, third-party administrators (TPAs), managed care organizations, MGUs, carriers, and reinsurers. Davies delivers exceptional quality, extensive industry insight and knowledge, focused and precise risk assessment, and detailed audit reporting.<\/p>\n<p>Our services strengthen the audited entity and the risk relationship between the audit subject and the risk-bearer. Every audit is performed by a tenured auditor with an average of 25 years of industry experience. Audits begin with an individualized plan customized to meet specific auditing objectives and preferences that meet and exceed organizational goals.<\/p>\n<p>Davies is a strategic partner, and our accident and health specialists serve as an extension of your team.<\/p>\n<p><strong>Due Diligence, Careful Analysis &amp; Niche Expertise<\/strong><\/p>\n<p>Davies is the strategic partner that understands your business objectives, potential risk implications, and the accident and health insurance industry. We have the experience and expertise to manage even the most niche of claims management needs, and our accident and health audits and claims management solutions are backed by due diligence, careful analysis, and a commitment to exceptional customer service.<\/p>\n<\/div>\n\n                                            <\/div>\n\n    <\/section>\n    \n        \n    <span class=\"achievement-grid-bg\"\n                style=\"background-image: linear-gradient(90deg, rgba(17, 75, 95, 0.95) 50%, rgba(28, 28, 28, 0) 100%),url('https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2024\/08\/shutterstock_2136488967-2.png ');\"\n         >\n    <section class=\"solutions-achievement-grid\"\n                    style=\"background-image: linear-gradient(90deg, rgba(17, 75, 95, 0.95) 50%, rgba(28, 28, 28, 0) 100%),url('https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2024\/08\/shutterstock_2136488967-2.png ');\"\n         >\n\n                <h2>Our Achievements<\/h2>\n        <div class=\"solutions-achievement-grid-container\">\n\n                <div class=\"achievement-grid-container 3-per-row\">\n\n                    \n                        \n                            <div class=\"achievement-box first-achievement odd-num-achievements\">\n\n                        \n                            <div class=\"achievement-text \">\n                                 <div class=\"salmon-text\">\n                                    <p>30%<\/p>\n <\/div>\n                                \n                                 <div class=\"white-text\">\n                                    <p>Average Savings for Aggregate Claims Loss Exposure<\/p>\n <\/div>\n                                                            <\/div>\n\n                        \n                    <\/div>\n                    \n                                                    <div class=\"achievement-box  odd-num-achievements last-box\">\n\n                        \n                            <div class=\"achievement-text \">\n                                 <div class=\"salmon-text\">\n                                    <p>Individualized Plans<\/p>\n <\/div>\n                                \n                                 <div class=\"white-text\">\n                                    <p>For Every Audit<\/p>\n <\/div>\n                                                            <\/div>\n\n                        \n                    <\/div>\n                    \n                        \n                            <div class=\"achievement-box row-one last-achievement odd-num-achievements\">\n\n                        \n                            <div class=\"achievement-text \">\n                                 <div class=\"salmon-text\">\n                                    <p>$200M+<\/p>\n <\/div>\n                                \n                                 <div class=\"white-text\">\n                                    <p>Aggregate Claims Audited<\/p>\n <\/div>\n                                                            <\/div>\n\n                        \n                    <\/div>\n                    \n                        \n                            <div class=\"achievement-box first-achievement odd-num-achievements\">\n\n                        \n                            <div class=\"achievement-text \">\n                                 <div class=\"salmon-text\">\n                                    <p>25+<\/p>\n <\/div>\n                                \n                                 <div class=\"white-text\">\n                                    <p>Years of Average Industry Tenure for Specialists<\/p>\n <\/div>\n                                                            <\/div>\n\n                        \n                    <\/div>\n                    \n                                                    <div class=\"achievement-box row-two last-achievement odd-num-achievements last-box\">\n\n                        \n                            <div class=\"achievement-text \">\n                                 <div class=\"salmon-text\">\n                                    <p>TPA &amp; MGU<\/p>\n <\/div>\n                                \n                                 <div class=\"white-text\">\n                                    <p>Auditing Experts<\/p>\n <\/div>\n                                                            <\/div>\n\n                        \n                                \n                        \n                    <\/div>\n                    \n        <\/div>\n        <\/div>\n\n    <\/section>\n    <\/span>\n    \n\n        <section class=\"module-three-accordion-section\">\n        \n        <div class=\"mod-three-container\">\n\n            <div class=\"mod-three-left\" style=\"background-image: url('  https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2024\/09\/shutterstock_309941807-scaled.jpg') \">\n                <!-- Background image container -->\n            <\/div>\n\n\n            <div class=\"mod-three-right\">\n                                    <h3>Our Accident &#038; Health Audits<\/h3>\n                \n                <div class=\"accordions\">\n\n                                            <div class=\"single-accordion\">\n                            <div class=\"accordion-button\">\n                                                                    <h4>Aggregate Audits<\/h4>\n                                                            <\/div>\n\n                            <div class=\"accordion-content panel\">\n                                                                    <p>We provide aggregate audit services commissioned by MGUs, carriers, and reinsurers. To date, we have audited nearly $200 million in aggregate claims with an average savings of almost 30% for this loss exposure. To deliver these savings, we audit calculations submitted by TPAs and apply Plan Document and Stop Loss contract terms and provisions to all elements of the claim. Clients receive thorough reporting and findings and provide reimbursement recommendations.<\/p>\n                                                            <\/div>\n                        <\/div>\n\n                                            <div class=\"single-accordion\">\n                            <div class=\"accordion-button\">\n                                                                    <h4>Carrier &#038; Reinsurer Audits<\/h4>\n                                                            <\/div>\n\n                            <div class=\"accordion-content panel\">\n                                                                    <p>Davies confirms the reinsurers underwrite the business mix and that the business complies with the parties&#8217; intent to the reinsurance agreement(s). Our specialists can perform underwriting, claims, and premium administration audit components as part of carrier and reinsurer audits.<\/p>\n                                                            <\/div>\n                        <\/div>\n\n                                            <div class=\"single-accordion\">\n                            <div class=\"accordion-button\">\n                                                                    <h4>MGU Audits<\/h4>\n                                                            <\/div>\n\n                            <div class=\"accordion-content panel\">\n                                                                    <p>To address the needs of MGU audits commissioned by carriers and reinsurers, we review and evaluate all phases of the specific MGU\u2019s operations. These phases include underwriting administration, premium administration, claim administration, TPA oversight, data protection, and disaster recovery. After the audit, we meet with the MGU to discuss findings, industry standards, and best practices to strengthen the organization\u2019s overall administration.<\/p>\n                                                            <\/div>\n                        <\/div>\n\n                                            <div class=\"single-accordion\">\n                            <div class=\"accordion-button\">\n                                                                    <h4>Premium Audits<\/h4>\n                                                            <\/div>\n\n                            <div class=\"accordion-content panel\">\n                                                                    <p>These comprehensive audits are available for risk-bearing entities that want to understand the designated audit subject\u2019s premium administration. These audits also include a technical audit component to ensure quality and adherence to the audit subject\u2019s internal policies, procedures, and industry-standard practices. Premium audits also verify that the premiums paid accurately reflect any census changes during the contract year.<\/p>\n                                                            <\/div>\n                        <\/div>\n\n                                            <div class=\"single-accordion\">\n                            <div class=\"accordion-button\">\n                                                                    <h4>Specific Claim Audits<\/h4>\n                                                            <\/div>\n\n                            <div class=\"accordion-content panel\">\n                                                                    <p>Davies Specific Excess Claims audits include an extensive review of claims paid to ensure they adhere to the underlying Plan Document and the stop-loss contract. Our auditors conduct verifications, which consist of all aspects of eligibility and disclosure with observations of cost mitigation efforts. We provide detailed reporting and outline findings uncovered along with recommendations for improvements.<\/p>\n                                                            <\/div>\n                        <\/div>\n\n                                            <div class=\"single-accordion\">\n                            <div class=\"accordion-button\">\n                                                                    <h4>Litigation Support<\/h4>\n                                                            <\/div>\n\n                            <div class=\"accordion-content panel\">\n                                                                    <p>In litigation between a carrier, reinsurer, and the policyholder, our auditors can serve as experts retained by the carrier\u2019s and reinsurer\u2019s legal counsel.<\/p>\n                                                            <\/div>\n                        <\/div>\n\n                    \n                <\/div>\n            <\/div>\n\n        <\/div>\n\n    <\/section>\n    \n    \n\n        <section class=\"module-five-meet-the-team\">\n\n                    <div class=\"team-bg\">\n                <section class=\"team-section-acquisitions\">\n                    <div class=\"team-container\">\n                                                <h3 class=\"meet-team-title\">Key Contacts<\/h3>\n                        <div class=\"teamslider-solutions\">\n                                                            <div>\n                                    <div class=\"team-slide\">\n                                        <span class=\"team-photo\" style=\"background-image: url('https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2022\/08\/Susan-Arsenault.png'); \"><\/span>\n\n                                        <div class=\"team-icons\">\n\n                                            \n                                                                                            <a class=\"email-address\" href=\"mailto:Susan.Arsenault@us.davies-group.com \">\n                                                    <img decoding=\"async\" src=\"\/northamerica\/wp-content\/themes\/daviesgroup-na\/assets\/images\/email-icon.png\" alt=\"email icon\">\n                                                <\/a>\n                                            \n                                        <\/div>\n\n                                        <h2 class=\"team-name\">Susan Arsenault<\/h2>\n                                        <h2 class=\"job-title\">Senior Vice President <\/h2>\n\n                                    <\/div>\n                                <\/div>\n                                                    <\/div>\n\n                    <\/div>\n                <\/section><!-- end team section -->\n            <\/div> <!-- end team-bg -->\n        \n    <\/section>\n    \n\n    <!--latest insights - blog\/case study section -->\n        <section class=\"module-six-latest-insights\">\n\n                    <h3>Latest Insights<\/h3>\n        \n    \n    <ul class=\"posts-container\">\n                    \n                                <li class=\"post-card\"  style=\"background-image: linear-gradient(180deg, rgba(255,255,255,0), #114b5f), url(https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2022\/06\/Our-Staffing-Model-1.png);\" >\n                    <a class=\"display-block\" href=\"https:\/\/davies-group.com\/northamerica\/case-study\/our-staffing-model-brings-dedicated-caseload-team-to-tennessee-and-kentucky-generating-over-1000-claims\/\">\n                        <div class=\"post-permalink\">\n\n                                                            CASE STUDY <br>\n                            \n                        <\/div>\n                        <div class=\"post-title-box\">\n                            <h3 class=\"post-title\">\n                                Our Staffing Model Brings Dedicated Caseload Team to Tennessee and Kentucky Generating Over 1,000 claims                            <\/h3>\n                            <p>Learn more ><\/p>\n                        <\/div>\n                    <\/a>\n                <\/li>\n                    \n                    \n                                <li class=\"post-card\"  style=\"background-image: linear-gradient(180deg, rgba(255,255,255,0), #114b5f), url(https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2021\/10\/Digital-Innovation-Blog-Images@2x.jpeg);\" >\n                    <a class=\"display-block\" href=\"https:\/\/davies-group.com\/northamerica\/technology\/digital-innovation\/blog\/do-you-have-a-human-intelligence-strategy\/\">\n                        <div class=\"post-permalink\">\n\n                                                            BLOG <br>\n                            \n                                                    <\/div>\n\n                        <div class=\"post-title-box\">\n                            <h3 class=\"post-title\">\n                                Do you have a human intelligence strategy?                            <\/h3>\n                            <p>Learn more ><\/p>\n                        <\/div>\n                    <\/a>\n                <\/li>\n            \n                                <li class=\"post-card\"  style=\"background-image: linear-gradient(180deg, rgba(255,255,255,0), #114b5f), url(https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2021\/10\/Davies-reveals-how-COVID-19-has-changed-uptake-and-demand-for-virtual-adjusting-technology@2x-1.jpg);\" >\n                    <a class=\"display-block\" href=\"https:\/\/davies-group.com\/northamerica\/technology\/claims-management\/blog\/davies-reveals-how-covid-19-has-changed-uptake-and-demand-for-virtual-adjusting-technology\/\">\n                        <div class=\"post-permalink\">\n\n                                                            BLOG <br>\n                            \n                                                    <\/div>\n\n                        <div class=\"post-title-box\">\n                            <h3 class=\"post-title\">\n                                Davies reveals how COVID-19 has changed uptake and demand for virtual adjusting technology                            <\/h3>\n                            <p>Learn more ><\/p>\n                        <\/div>\n                    <\/a>\n                <\/li>\n            \n                                <li class=\"post-card\"  style=\"background-image: linear-gradient(180deg, rgba(255,255,255,0), #114b5f), url(https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2021\/10\/Eight-VoC-pitfalls-that-could-undermine-all-your-good-intentions-for-CX-improvement@2x.jpg);\" >\n                    <a class=\"display-block\" href=\"https:\/\/davies-group.com\/northamerica\/technology\/customer-experience\/blog\/voice-of-the-customer-pitfalls\/\">\n                        <div class=\"post-permalink\">\n\n                                                            BLOG <br>\n                            \n                                                    <\/div>\n\n                        <div class=\"post-title-box\">\n                            <h3 class=\"post-title\">\n                                Eight \u2018Voice of the Customer\u2019 pitfalls that could undermine all your good intentions for CX improvement                            <\/h3>\n                            <p>Learn more ><\/p>\n                        <\/div>\n                    <\/a>\n                <\/li>\n                        \n        <\/ul>\n\n    <\/section>\n\n    \n\n        <section id=\"free-consultation\" class=\"module-seven-form\">\n        <div class=\"form-container\">\n                <div class=\"left-form\">\n                    Discover Davies\n                <\/div>\n\n                <div class=\"right-form\">\n                    <button type=\"button\" class=\"seablue-button button\" data-toggle=\"modal\" data-target=\"#freeconsultation-footer\">Contact Us                    <\/button>\n\n                    \n                         <button type=\"button\" class=\"seablue-button button d-block\" data-toggle=\"modal\" data-target=\"#freebrochurecard\">Download\n                         <\/button>\n\n                    \n\n                <\/div>\n        <\/div>\n\n        <!-- Free Consultation Modal -->\n        <div class=\"modal fade\" id=\"freeconsultation-footer\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"freeconsultation-footer\" aria-hidden=\"true\">\n            <div class=\"modal-dialog modal-dialog-centered\" role=\"document\">\n                <div class=\"modal-content mt-2 rounded-lg\">\n                    <div class=\"modal-header\">\n                        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type=\"hidden\" name=\"_wpcf7\" value=\"20431\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.1\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f20431-o2\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"Susan.Arsenault@us.davies-group.com\" type=\"hidden\" name=\"destination-email\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"brochure-Accident&amp;HealthAudits\" type=\"hidden\" name=\"html_id\" \/>\n\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"full-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Full Name\" value=\"\" type=\"text\" name=\"full-name\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-company\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Company\" value=\"\" type=\"text\" name=\"your-company\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-telephone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-text wpcf7-validates-as-tel\" aria-invalid=\"false\" placeholder=\"Phone\" value=\"\" type=\"tel\" name=\"your-telephone\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-position\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Job Title\" value=\"\" type=\"text\" name=\"your-position\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea\" aria-invalid=\"false\" placeholder=\"Message\" name=\"your-message\"><\/textarea><\/span>  <\/label>\n\n<div class=\"form-selection\">\n  <p>What would you like to discuss with us?<\/p>\n\n  <span class=\"wpcf7-form-control-wrap\" data-name=\"service_choices_footer_solutions\"><span class=\"wpcf7-form-control wpcf7-checkbox wpcf7-validates-as-required\"><span class=\"wpcf7-list-item first\"><input type=\"checkbox\" name=\"service_choices_footer_solutions[]\" value=\"Accident &amp; Health Audits\" \/><span class=\"wpcf7-list-item-label\">Accident &amp; Health Audits<\/span><\/span><span class=\"wpcf7-list-item last\"><input type=\"checkbox\" name=\"service_choices_footer_solutions[]\" value=\"Others\" \/><span class=\"wpcf7-list-item-label\">Others<\/span><\/span><\/span><\/span>\n  \n<\/div>\n<span id=\"wpcf7-69e8fe09b90bd-wrapper\" class=\"wpcf7-form-control-wrap website-359-wrap\" ><input type=\"hidden\" name=\"website-359-time-start\" value=\"1776877065\"><input type=\"hidden\" name=\"website-359-time-check\" value=\"4\"><label for=\"wpcf7-69e8fe09b90bd-field\" class=\"hp-message\">Please leave this field empty.<\/label><input id=\"wpcf7-69e8fe09b90bd-field\"  placeholder=\"Add comment\"  class=\"wpcf7-form-control wpcf7-text\" type=\"text\" name=\"website-359\" value=\"\" size=\"40\" tabindex=\"-1\" autocomplete=\"off\" \/><\/span>\n<div class=\"button-left\"><button type=\"submit\" class=\"salmon-button has-spinner\" id=\"submitbutton\">Submit<\/button><\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n                    <\/div>\n                    <div class=\"modal-footer\">\n                        <button type=\"button\" class=\"seablue-button button\" data-dismiss=\"modal\">Close<\/button>\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div><!-- end of Free Consultation modal -->\n\n        <!-- Free Brochure Modal -->\n        <div class=\"modal fade\" id=\"freebrochurecard\" tabindex=\"-1\" role=\"dialog\" aria-labelledby=\"freebrochurecard\" aria-hidden=\"true\">\n            <div class=\"modal-dialog modal-dialog-centered\" role=\"document\">\n                <div class=\"modal-content mt-2 rounded-lg\">\n                    <div class=\"modal-header\">\n                        <h5 class=\"modal-title\">Download Brochure<\/h5>\n                        <button type=\"button\" class=\"close\" data-dismiss=\"modal\" aria-label=\"Close\">\n                            <span aria-hidden=\"true\">&times;<\/span>\n                        <\/button>\n                    <\/div>\n                    <div class=\"modal-body link-to-brochure-card\">\n                       Please complete the form below to receive the Davies Accident &#038; Health Audit brochure\n                        \n<div class=\"wpcf7 no-js\" id=\"wpcf7-f483-o3\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"483\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/northamerica\/wp-json\/wp\/v2\/insurance-services\/20068#wpcf7-f483-o3\" method=\"post\" class=\"wpcf7-form init\" id=\"brochure-AccidentHealthAudits\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"483\" 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class=\"wpcf7-form-control-wrap\" data-name=\"full-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Full Name\" value=\"\" type=\"text\" name=\"full-name\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-company\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Company\" value=\"\" type=\"text\" name=\"your-company\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-telephone\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-text wpcf7-validates-as-tel\" aria-invalid=\"false\" placeholder=\"Phone\" value=\"\" type=\"tel\" name=\"your-telephone\" \/><\/span> <\/label>\n<label> <span class=\"wpcf7-form-control-wrap\" data-name=\"your-position\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Job Title\" value=\"\" type=\"text\" name=\"your-position\" \/><\/span> <\/label>\n<span id=\"wpcf7-69e8fe09bb54d-wrapper\" class=\"wpcf7-form-control-wrap website-433-wrap\" ><input type=\"hidden\" name=\"website-433-time-start\" value=\"1776877065\"><input type=\"hidden\" name=\"website-433-time-check\" value=\"4\"><label for=\"wpcf7-69e8fe09bb54d-field\" class=\"hp-message\">Please leave this field empty.<\/label><input id=\"wpcf7-69e8fe09bb54d-field\"  placeholder=\"Add comment\"  class=\"wpcf7-form-control wpcf7-text\" type=\"text\" name=\"website-433\" value=\"\" size=\"40\" tabindex=\"-1\" autocomplete=\"off\" \/><\/span>\n<div class=\"button-left\"><button type=\"submit\" class=\"salmon-button\" id=\"submitbutton\">Submit<\/button><\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n\n\n                    <\/div>\n                    <div class=\"modal-footer\">\n                        <button type=\"button\" class=\"seablue-button button\" data-dismiss=\"modal\">Close<\/button>\n\n                    <\/div>\n                <\/div>\n            <\/div>\n        <\/div>\n        <!-- end of Free Brochure modal -->\n\n        <!-- Free Brochure Confirmation Download -->\n        <div id=\"confirmation-link-to-brochure-card\" class=\"confirmation1\" style=\"display:none;\">\n            <a class=\"min-button\" data-toggle=\"collapse\" href=\"#link-to-brochure-card\" role=\"button\" aria-expanded=\"false\" aria-controls=\"collapseExample\">\n                <i class=\"far fa-minus-circle\"><\/i>\n            <\/a>\n            <h5>Your Download<\/h5>\n            <div class=\"collapse show\" id=\"link-to-brochure-card\">\n                <div class=\"card card-body\">\n                    <p>Thank you for submitting your details.<\/p>\n                    <p>You can download the brochure by clicking the button below.<\/p>\n                    <a href=\"https:\/\/davies-group.com\/northamerica\/wp-content\/uploads\/2024\/09\/Insurance-Services-US-Accident-and-Health-Digital-Brochure-SArsenault-1.pdf\" download class=\"seablue-button btn btn-outline-primary icon file-download right\" >Download<\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n        <!-- end of free brochure download confirmation -->\n\n    <\/section>\n        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