What the Review Covers

Five things we'll look at.

The Risk Management Review is a working conversation. A quote tells you how much a policy would cost. Questions that reveal how your current program is working: 

  • Does the current coverage still fit? 
  • Has anything changed? 
  • Are the limits still appropriate? 
  • Are there gaps? 
  • Are your policies aligned with how you own, operate, and contract? 
  • Are there risks that have not been explained clearly? 

We come in with a framework and leave you with a clearer picture of your current program. Here's what we cover in 30 minutes:

    A structured look at your current coverage: limits, endorsements, exclusions, and how each policy responds to the exposures your business actually carries.

    The exposures we see in your specific trade and business model. What's covered. What isn't. What you might not have thought about.

    How your coverage should be structured to match how your business operates today, not how it operated at the last renewal.

    Where retained risk makes sense (deductibles, self-insured retentions, captive options) and where transferred risk is the right call.

    Concrete recommendations. What to keep, what to change, what to bid out, and what to leave alone.

    What You Walk Away With

    If your current program is airtight, we'll say so and tell you to stay put. If it isn't, you'll see the gaps before renewal, when there's still time to do something about them.

    • An honest assessment of your current program, in writing.
    • A short list of the specific gaps or opportunities we see.
    • Zero pressure to switch brokers. Your decision, your timeline.

    The right time to book a review

    A Risk Management Review is most valuable when one of the following is true:

    • Your renewal is 60 to 120 days out and you want a second opinion before your current broker fires up the process.
    • Your EMR has moved (up or down) and you're not sure what that means for your program.
    • Your business has changed — new trades, new territories, new equipment, new employees — and your coverage hasn't kept pace.
    • You had a claim that surfaced coverage you didn't know you needed (or didn't have).
    • You're preparing for growth, acquisition, or a bond capacity conversation.
    • You've never actually had a broker walk you through your program in plain language.

    What to expect

    A construction insurance professional on our team will follow up with you.  Requests received during business hours will generally receive a response the same business day. Requests received after 4:00 p.m. will be addressed by the next business day.

    1. We call or email to schedule.

    Usually same business day, always within 24 hours.

    2. You send us your current policies.

    Secure upload link. We only need declarations pages to get started, not full policy documents.

    3. We hold the 30-minute review.

    In person, video, or phone. Your call. You get a written summary within 3 business days.