Account Narrative Development
We work with clients to create a clear, accurate narrative that highlights business operations, safety measures, and risk management practices. This narrative is more than paperwork; it is the story that underwriters rely on to understand your business. A thoughtful, well-documented narrative can make a meaningful difference in how your company is perceived in the insurance marketplace. As part of this process, we also discuss your tolerance for risk, ensuring that your program reflects not only your operational realities but also the level of risk your business is comfortable retaining versus transferring to insurance.

Loss History and Experience Modifier Analysis

Loss history is one of the first items underwriters review when evaluating a business, and the way claims are described can significantly influence their perception. We assist in reviewing your loss history and experience modifier to identify patterns or concerns that may affect how carriers evaluate your account. Beyond just listing past claims, we emphasize the importance of providing accurate claim descriptions that explain what happened and, more importantly, what steps have been taken to reduce the chance of similar losses in the future. Demonstrating that corrective actions have been implemented not only shows improvement but also helps position your business as proactive and responsible in the eyes of underwriters. This process can lead to a more favorable presentation in the insurance marketplace and provides your agent with stronger support when marketing your account.

Insurance Certificate Monitoring

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certificates are designed to confirm compliance with contract requirements, but in practice they are often incomplete, outdated, or inconsistent.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.