Services
Every engagement is scoped, priced, and confirmed in writing before work begins, and each produces a maintained program page. Your broker stays in place; we work alongside them on your behalf.
Coverage diagnostic
Fixed fee. Three to four weeks.
Every policy in force, including forms, endorsements, limits, and retentions, reviewed against current operations, revenue, and contractual obligations. You receive a program page with a coverage schematic, premium and total cost of risk, retained exposure, and prioritized recommendations.
The fee is credited in full against a renewal or retained engagement.
Renewal management
Fixed fee per renewal.
Dedicated to your renewal from start to finish. We work alongside your broker from about three months before expiry, early enough to shape the submission and marketing strategy.
We update exposures and contract requirements, prepare the underwriting submission, and manage the timeline. Quotes are compared on coverage terms as well as price, using our proprietary review technology. After binding, we check the issued policy against the terms quoted, a step that is routinely skipped.
Retained advisory
Monthly. Three-month minimum.
Outsourced risk management on an ongoing basis: program strategy and structure, renewals managed to a calendar, contract review before signature, broker and certificate oversight, and claims advocacy from first notice through resolution. Fees are set by program complexity, not hours.
Program monitoring
Monthly subscription.
A lighter ongoing option. Your program page and renewal calendar are kept current, with a set number of contract reviews each year and access when questions come up. It converts to retained advisory at any renewal.
Project work
Scoped individually.
Contract review
Insurance requirements in customer, vendor, and lease agreements reviewed against your program, with gaps and practical responses identified.
Transaction support
Buy-side and sell-side insurance due diligence, and post-close program integration.
Claims advocacy
Notice strategy, claim presentation, and escalation with the insurer on a specific matter.
Other projects
Program benchmarking, board and investor reporting on insurance, and other defined risk questions, scoped to the need.
Placement
Specialty lines placed through wholesale markets under a broker of record appointment, compensated by commission. Offered instead of an advisory engagement, never alongside one.
How we’re paid
Fixed fees for diagnostics, renewal management, and projects. Monthly fees for retained advisory and program monitoring, set by program complexity rather than hours.
We take no contingent or volume-based compensation from insurers, and no commission on any account we advise. All terms are disclosed in writing before work begins.
Outside our scope
Legal services
We are not a law firm and don’t provide legal advice. Coverage disputes and matters requiring privilege are referred to outside coverage counsel.
Public adjusting
We don’t adjust or negotiate first-party property claims.
Employee benefits
Health, welfare, and retirement plans. Referrals available on request.
Getting started
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Consultation
Thirty minutes on your operations, contracts, and current program. No charge.
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Initial review
Send your policies and last renewal summary. We return the three most important observations in writing.
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Proposal
A recommended engagement, with scope, fee, and timing in writing.