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We focus on independent insurance guidance, avoiding shortcuts and helping businesses evaluate options that reflect their true needs.
Independent help with business insurance marketing and renewals to ensure fair terms, competitive pricing, and full transparency. Always fee-only.
Plain-Language analysis of your insurance policies to identify gaps, overlaps, and exclusions, giving you clarity and confidence in your Business Insurance.
Review of insurance requirements in leases, subcontractor agreements, & master service agreements, providing guidance to address potential obligations and highlight risks before signing.
Support with subcontractor and tenant insurance requirements, including certificate tracking, renewal reminders, and reporting to help keep your business protected and organized.
Detailed replacement cost calculations using CoreLogic, the same software relied on in the insurance industry. Our focus is on accurate building construction details and thorough estimates to help avoid over-or under- insurance and to support setting appropriate insurance values.
At policy inception, premiums are based on estimates. After the term ends, the final premium is determined through a premium audit. We provide support with Worker’s Compensation, General Liability, Rented Equipment, and Cargo Policies audits by reviewing payroll, revenues, rental expenditures, and classification, preparing documentations, and helping identify errors or discrepancies that may affect cost.
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.
Initial Guidance
Subcontractor Agreement Review
Replacement Cost Review