By the time we go to market, the underwriter is looking at a better risk than last year, and we show them why. We place the program as your agent of record on disclosed commission, and the same plan that shaped the placement keeps tracking it after binding.
The Risk AFA and the renewal strategy meeting define the program before we go to market. Four steps move from there to a bound program.
The renewal strategy meeting settles the program: limits, deductibles, layer structure, coverage forms, and acceptable carrier credit profiles. The specification is built before we go to market, not negotiated downward by what carriers offer.
Submissions go to the carriers and wholesale partners best matched to your industry, exposure profile, and the program structure you approved. Loss history, exposure data, and the work completed on your action plan anchor the submission narrative.
Returned quotes are evaluated against the program you approved. Coverage variances, pricing variances, and structural differences are surfaced explicitly. You see how each option compares to the plan, not just to last year’s renewal.
On selection, we bind the program and run the post-bind cycle: audits, endorsements, certificates, collateral adjustments, and claims advocacy. The action plan keeps moving, and the stewardship report about six months later shows where each item stands.
The plan specifies the program structure; market access determines which carriers can deliver it. We place across three categories.
Top-tier domestic admitted markets for primary property, casualty, workers compensation, auto, and standard professional and executive liability programs.
Regional carriers with strong underwriting appetite and service depth in the Southeast and the four named industries. Used when regional underwriting fit produces better terms than national markets.
Excess and surplus lines wholesale partners for hard-to-place exposures, layered programs above admitted primaries, and industry-specialty coverage forms.
We place at the program-architecture level the CFO already thinks in. Six exposure categories cover the commercial program; what gets included from each is determined by your plan, not by what carrier appetite favors this cycle.
Buildings, equipment, inventory, inland marine, builders risk, business interruption, contingent business interruption, and terrorism. First-party assets and the income they generate.
General liability, products liability, auto and fleet, umbrella and excess layers, environmental. Third-party bodily injury and property damage exposure.
Statutory workforce coverage and the employers liability layer that responds where workers compensation does not.
Directors and officers, employment practices, fiduciary, crime and fidelity, errors and omissions. Boardroom and governance exposure.
First-party data and third-party privacy exposure, regulatory response, network business interruption, ransomware, and digital asset coverage.
Marine cargo, trade credit, political risk, kidnap and ransom, supply chain, surety, transactional risk, and industry-specific coverage forms. Included when your plan calls for them, not because they are available.
Placement ends a transactional engagement for most brokerages. For us, binding starts the next cycle. Three things run continuously once the program is in force.
About six months after renewal: how losses are tracking against expectations, and where each item on your action plan stands.
About three months before renewal: our coverage change recommendations for your decision before we go to market, and what to expect for each line of coverage on your renewal.
Endorsements, certificates, audits, collateral adjustments, claims advocacy, and renewal cycle management. The operational continuity of an agent of record relationship, handled by our service team without renegotiating the engagement each cycle.
We are paid commission on the policies we place. For certain special projects we may charge a fee. Fees are always discussed and disclosed in writing before any work begins.
We place commercial programs and act as agent of record across industries spanning construction, finance, technology, retail, manufacturing, transportation, and more. Four of those industries carry risk data we compile and maintain ourselves, loss history, limit and retention benchmarks, and pricing by line, built specifically for their exposures.
Wholesale Distribution →Property, fleet, workers compensation, product liability, contractual risk transfer.
Multifamily Housing →Property and water damage, residents-and-guests liability, habitational specialty exposures.
CRE Leasing →Property, lessor's risk, premises liability, tenant certificate-of-insurance compliance.
Golf Course & Club Operations →Property, member and guest liability, food and beverage, liquor liability.
Whether you have a renewal coming up, a board asking harder questions about risk, or a sense that you are paying for more program than the exposure requires: thirty to sixty minutes about your business and your current program. No cost, no pitch.
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