- 713-205-0525
- Dominique@BizInsAdvisors.com
- 2211 Norfolk Street, Suite 208 Houston, TX 77098
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Renewals often rely on agents or brokers “shopping” coverage to insurance companies, but it is not always clear if the best terms are being secured. We provide independent oversight of the marketing process by reviewing renewal timelines, submissions, and proposals. Since we do not earn commissions, we can give you a real perspective on pricing and coverage, helping you identify differences, avoid unnecessary fees, and support more effective discussions with your agent.
Tenant and subcontractor insurance certificates are designed to confirm compliance with contract requirements, but in practice they are often incomplete, outdated, or inconsistent. Relying on certificates alone can create a false sense of security, since they provide only a limited snapshot of coverage and do not always reflect policy terms or exclusions. We provide monitoring support that includes tracking expirations, verifying coverage against stated requirements, flagging deficiencies, and issuing reminders when renewals are due. Our role is to point out gaps or inconsistencies so you can address them with tenants, subcontractors, or your agent. Because certificates cannot capture the full picture, we also recommend obtaining copies of policies when possible for more accurate review. By maintaining organized records and a structured monitoring process, we help reduce overlooked exposures and give you greater visibility into the insurance obligations of those you work with.
Subcontractor agreements, master service agreements, leases, and vendor or client contracts often contain insurance sections that can create obligations beyond your existing coverage. We assist clients in reviewing these requirements to point out responsibilities, conditions, or limits that may increase costs or require additional policies. While we do not provide legal advice, we work with you to help ensure your insurance program is positioned to meet common contractual expectations and minimize potential gaps. Our consulting gives you the opportunity to raise questions with your agent or negotiate terms before signing, reducing last-minute surprises. We also support businesses with tenant and subcontractor certificate monitoring by tracking expirations, flagging missing coverage, and issuing reminders. Because certificates only show limited information, we recommend requesting copies of actual policies whenever possible for greater accuracy.
To support businesses with independent insurance consulting that reflects their priorities, addresses real obligations, and provides clarity in managing risk.
We believe insurance is not just a transaction but part of a broader strategy that contributes to stability, resilience, and informed decision-making throughout every stage of a business journey.
Replacement cost estimates from carriers or wholesalers are often prepared quickly, with little attention given to building details such as construction type, plumbing and electrical systems, finishes, flooring type, alarm systems, or elevators. Most insurance agencies are too busy to dig into this level of detail, and as a result, values can be overstated or understated. We use CoreLogic, an insurance industry tool, to create more thorough replacement cost calculations by carefully entering detailed information about the building. Our role is to point out discrepancies, provide a more accurate estimate, and give you stronger data to present. While the final decision rests with underwriting, we can guide your agent or assist in discussions with insurance companies to help negotiate values that are better aligned with your property.
At the end of a policy term, audits determine final premiums based on payroll, classifications, and receipts. These reviews often lead to surprises, since errors such as misclassified employees, overlooked adjustments, or missing documentation are common. Many insurance agencies do not have the time to walk through the details with clients, which is where we step in. We assist by preparing documentation, reviewing audit findings, and pointing out potential discrepancies that could affect costs. While final corrections must be addressed directly with the carrier, we can guide your agent or help frame discussions with the insurance company so that your audit is handled more accurately and fairly. Our process helps you approach audits with better preparation and less uncertainty.
Supporting Operational Success with Independent Insurance Consulting
I provide independent insurance consulting that helps businesses make informed decisions aligned with their priorities, risk tolerance, and long-term goals. My role is to point out potential gaps, obligations, and cost drivers in policies, contracts, and audits, giving clients the clarity to engage more effectively with their agents and carriers.
With more than 30 years of experience, Ana is dedicated to building strong relationships and supporting businesses with care, integrity, and commitment. Her background and perspective strengthen our consulting approach, ensuring that clients receive thoughtful guidance and steady support throughout their insurance challenges.
Emmanuel brings a fresh perspective and creative vision to our work as he completes his Bachelor of Arts in Visual Studies. His eye for detail and design supports how we present information and develop materials that make complex insurance concepts clearer for our clients.
Our focus is on helping businesses address insurance obligations with independent guidance that reflects their priorities and risk profile. We do not sell policies or earn commissions, our role is to point out issues, provide clarity, and support smarter decisions alongside your insurance agent.
Independent review of renewals, identifying differences in terms, coverage, pricing, and fees.
Detailed review highlighting limits, gaps, overlaps, and exclusions for clearer insurance discussions.
Analysis of contract insurance requirements, pointing out obligations that impact costs and coverage.
Tracking and reviewing certificates, flagging expirations, missing coverage, and incomplete documentation for clarity.
Thorough calculations using CoreLogic, entering construction details for more accurate rebuilding values.
Preparation and review of audits, pointing out misclassifications, errors, and potential cost drivers.
Guidance with workers’ compensation rating factors, including claims review, accuracy verification, and cost-reduction strategies to help lower premiums and strengthen contract opportunities.
In-depth claim analysis and communication support designed to avoid recurring issues, control costs, and secure more favorable insurance outcomes
Support during insurance company visits, including safety presentation, claims context, and proactive risk communication to help secure stronger terms.
Providing clarity, independent guidance, and practical support to help businesses manage insurance.
Dominique Renaud
Focused on building relationships that go beyond transactions to support businesses at every stage.
Dominique Renaud
Helping businesses navigate insurance decisions with clarity while keeping priorities and growth in mind.
Dominique Renaud
Committed to independent guidance with integrity and transparency, always in your corner.
Dominique Renaud
Reach out to us anytime by email or phone with your questions. We welcome the opportunity to discuss your business insurance needs and how our consulting can help.
2211 Norfolk Street,
Suite 208
Houston, TX 77098
Cell: 713-205-0525
dominique@doeman.net
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