The Risk AFE produces a program structure recommendation. When the analysis supports a change and you want us to execute it, we place the program as your agent of record on disclosed commission. The same methodology that produced the recommendation tracks how the program performs after binding.
The Risk AFE recommendation is the design specification. Placement is the execution of that specification. Four steps move from the document to a bound program.
The Risk AFE recommendation names 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 are structured to the carriers and wholesale partners best matched to your industry, exposure profile, and the program structure the AFE specified. Loss history, exposure data, and the AFE itself anchor the submission narrative.
Returned quotes are evaluated against the modeled alternative in the AFE. Coverage variances, pricing variances, and structural differences are surfaced explicitly. You see how each option compares to the recommendation, 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 Variance Bridge begins tracking the difference between modeled and realized results from binding forward.
The Risk AFE 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 the Risk AFE recommendation, 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 the Risk AFE recommendation calls for them, not because they are available.
Placement ends a transactional engagement for most brokerages. For us, binding starts the tracking phase. Three programs run continuously once the program is in force.
Annual reconciliation of modeled assumptions against realized results: premium, claims activity, collateral movement, audit outcomes. Each renewal cycle becomes measured signal rather than year-over-year guesswork.
Each fiscal year, a single document decomposes the realized value of the risk capital deployed: what the program prevented, what it absorbed, and what it returned in measurable terms. The same format your team uses to evaluate any other capital deployment.
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.
Commission disclosure is part of every engagement letter. The bundled engagement (advisory plus placement) is typically structured to deliver a lower total cost to you than running the Risk AFE with us and placing the program through a separate broker.
If you prefer to leave placement with your incumbent broker, the Risk AFE engagement stands on its own and the advisory fee is the only fee.
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 dedicated datasets, loss-pattern libraries, and Risk AFE methodology built specifically for their exposure architecture.
Property, fleet, workers compensation, product liability, contractual risk transfer.
Property and water damage, residents-and-guests liability, habitational specialty exposures.
Property, lessor's risk, premises liability, tenant certificate-of-insurance compliance.
Property, member and guest liability, food and beverage, liquor liability.
Whether you have a renewal coming up, a board asking harder questions about risk capital, or a sense that you are paying for more program than the exposure actually requires, the Phase 1 Discovery conversation is a single 60-90 minute meeting. We share what we would analyze and what the AFE would surface for your business.
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