For decades, insurance has been thought of as a commodity – something you buy, put on a shelf, and use only when a claim occurs. Insurance can be much more valuable if it’s thought of as a service. Instead of a mere policy, it’s an extension of your municipal operation with ties to finance, risk management, public works, legal, and more. This shift has already happened at Frank Cowan Company. Take, for example, how we’re using technology to reduce your total cost of risk through efficiency gains, compliance and better claims management.