Contract review, certificate tracking, gap analysis, and claims advocacy — the work that lowers cost rather than moving it.
Risk management consulting is the part of this business that does not involve selling a policy. It is contract and lease review, certificate of insurance tracking, coverage gap analysis, claims advocacy, and experience modification review — the work that reduces what you spend on insurance rather than simply rearranging where you buy it.
Reading the insurance requirements in your contracts before you sign them. Indemnification language, additional insured requirements, waiver of subrogation, and limits you may not be able to meet.
Collecting and monitoring certificates from your subcontractors, tenants, or vendors — and catching the ones that expire. This is where audit surprises come from.
A line-by-line read of what you have against what your operations actually expose you to. Free, and it does not require you to move the business.
Verifying your workers' compensation mod is calculated correctly. Errors in reserve valuations and classification are common and correctable — and they compound over three years.
Representing your interests during a claim rather than handing you a phone number. Documentation, coverage position review, and pushing back when the position is wrong.
Starting 90 days out with a plan, a complete submission, and a market strategy rather than a scramble in the final week.
Most of what determines a business's insurance cost happens outside the quote. Classification codes, subcontracted cost documentation, experience modification, claims handling, and contract terms all move the number more than shopping the rate does — and none of them are addressed by getting three quotes.
A contractor who collects certificates properly and a contractor who doesn't will get very different audit results from the same policy at the same rate. An association board that reviews its declaration against its policy avoids a dispute that costs more than a decade of premium difference. That is the work.
Send your current declarations pages and we'll do a coverage review at no cost and no obligation. If your program is well built, we'll tell you that. If there are gaps, you'll get a specific list rather than a sales pitch.