THE FIRM

A clear plan to lower your cost of risk. And the people to help you carry it out.

The Risk AFA (Authorization for Action) is a short, ranked list of the few actions that will do the most to lower your total cost of risk: premium, retained losses, and the operating cost around both. We build it from risk data we compile for your industry, do the work with you, and place coverage around the improved result.

Ten items at most, ranked by what each is worth, each with an owner and a date. The first is finished before your next renewal; the rest follow in order. One example: a Georgia wholesale distributor’s newly implemented claims review removed roughly $200,000 of reserve liability before renewal.

Industries: Wholesale Distribution · Multifamily Housing · CRE Leasing · Golf Course & Club Operations.

See how we work →
THE CLIENT JOURNEY

Four stages. One plan that keeps moving.

1 · KNOW WHERE YOU STAND

A no-cost Risk AFA (Authorization for Action): the actions that will lower your cost of risk the most, ranked, with an owner and a date for each.

2 · GET IT DONE

We bring the resources and do the work with you, not from the sidelines.

3 · PLACE THE COVERAGE

Coverage built around the improved risk, placed on disclosed commission, with the underwriter shown the work that was done.

4 · KEEP IT MOVING

For clients whose coverage we place: a six-month stewardship report and a renewal strategy meeting every year, tracking the same plan. If your operations or loss trend change materially, a new Risk AFA.

Start with a conversation.

Thirty to sixty minutes about your business and your current program. No cost, no pitch.

Contact