Complimentary Commercial Insurance Program Review
Your clients trust you with their numbers. Who's checking their insurance?
Your clients' commercial insurance is one of their largest expenses and biggest liabilities, governed by policies that can run past 300 pages. Almost no one reads them. I do. I give your clients, or your own firm, an independent, no-cost review that finds overpayment, coverage gaps, and contract-compliance problems before a claim or an audit does. You bring them a valuable second opinion. I do the work. They get the truth about where they stand.
20%+
Average premium savings identified across client reviews
Compliance gaps
Caught before they become breach-of-contract claims
Right-sized
Most businesses have quietly outgrown their coverage
The blind spot
The one part of your clients' finances no one is auditing.
You review the books. Their attorney reviews the contracts. But the commercial insurance program, six or seven figures of premium and the thing standing between them and a catastrophic loss, gets renewed on autopilot, unread.
That's how businesses end up overpaying for coverage they don't need, missing coverage they do, and quietly out of compliance with their own leases and client contracts. When it surfaces, it surfaces as a denied claim or a lawsuit. And the advisors get the call.
What the review covers
A complete read of the program, not a glance at the dec page.
Coverage adequacy
Are the limits, endorsements, and policy terms right for how the business actually operates? I identify gaps before a claim reveals them.
Pricing & market benchmarking
I compare current premiums against live market pricing, so you know whether the business is getting fair value or overpaying.
Contractual insurance requirements
Leases, vendor agreements, and client contracts often mandate specific coverage. I verify the program meets those obligations, so a technicality does not void a claim.
Program structure & consolidation
Fragmented policies across multiple carriers create confusion and hidden cost. I flag where a program can be simplified and strengthened.
Growth & change
Revenue, headcount, locations, and operations move. Coverage often does not keep up. I find where the business has outgrown its program.
Hard-to-place & E&S risk
Wildfire exposure, complex operations, prior losses, emerging industries. I specialize in the risks standard carriers will not write.
How the review goes deeper
Every page read, every finding verified.
Most reviews skim the declarations and trust the carrier's summary. Mine doesn't. I built an AI-powered analysis engine, Coverage Intelligence, that does the reading no human has time for. The judgment and the advice stay mine.
A typical review
- · Skims the declarations pages
- · Samples a handful of endorsements
- · Trusts the carrier's proposal summary
- · Runs a generic checklist that doesn't know the business
- · Finds what's easy, misses what's expensive
A Coverage Intelligence review
- ✓ Reads the complete packet, scanned pages included
- ✓ Runs multiple frontier AI models, currently Claude Opus 4.8 and Fable 5, GPT-5.6, and Grok 4.5, that cross-reference each other's work
- ✓ Extracts every limit, sublimit, deductible, and endorsement form number
- ✓ Quotes exclusion language verbatim, not paraphrased
- ✓ Double-checks itself against the declarations, then runs a second full-document pass and reports how complete its read was
- ✓ Checks the program against your actual contracts and their insurance requirements
- ✓ Researches current state and local insurance regulations and surfaces compliance red flags for my review
- ✓ Adds claims context from your loss runs and real-world verdicts, so findings come with dollar figures, not adjectives
- ✓ Flags named-insured and additional-insured mismatches across policies
- ✓ Learns from every review, and I personally approve every lesson it keeps
- ✓ Ends with a licensed producer pressure-testing every finding
Why you can refer with confidence
A partner who won't put your relationship at risk.
Independent
Carrier-neutral by design.
I'm a broker, not a captive agent. The review is driven by your client's interest, not a carrier quota. No one is steering the findings.
23 years
Experience that has seen it.
Two-plus decades placing commercial coverage across every industry, from startups to complex, hard-to-place risks. Ten of those years I spent building the technology behind a modern insurtech platform.
Honest
I'll tell them the truth.
If the program is already in good shape, I say so. No manufactured problems, no pressure. The review stands on its own, which is exactly what protects your relationship.
Specialist
E&S and multi-state.
An Excess & Surplus lines specialist, licensed across states, with real depth in the hard-to-place risks that trip up generalist brokers.
What your client walks away with
A findings report and a straight conversation.
- ✓ The entire program mapped in one place: every line of coverage, carrier, named entity, effective date, and premium, pulled from policies scattered across multiple carriers
- ✓ Prioritized findings: named-insured structure, coverage gaps, overpayment, and contract-compliance issues, each one called out and explained
- ✓ Real claim scenarios showing how each exposure could actually play out, in dollars
- ✓ A straight recommendation on what to fix first, and what to leave alone
- ✓ An honest conversation, no obligation. A second opinion, not a sales pitch.
How it works
Simple for you, simple for your client.
- 1.
Introduce us
A 15-minute call to understand the situation, for you or for your client. Email works too, but a quick call is preferred.
- 2.
Share the documents
Current policies, contracts with insurance requirements (leases, vendor and client agreements), loss runs, and prior renewal applications.
- 3.
I run the analysis
Coverage Intelligence reads every page. Then I personally review, audit, and clean up the report, with 23 years of insurance experience behind every finding.
- 4.
We walk through it
A call to go through the findings is preferred. Or, if you'd rather present the report to your client as part of your own service, it's built so you can.
CFOs & business owners
Not an advisor? The same review, for your own company.
If insurance lands on your desk, whether you're the owner, the CFO, or the person who signs the renewal every year, the complimentary review works exactly the same way. Send your program and I'll tell you what I find: where you're exposed, where you're overpaying, and what's worth fixing.
Case studies
Real reviews. Real findings.
For: Business owners and their advisors
The $340,000 Program I Thought I Knew
A 15-year client, a $340,000 program, and the coverage gaps my analysis tool surfaced anyway. A Coverage Intelligence case study.
Read the case study →
For: Healthcare staffing operators and their advisors
The Gap We Closed With a Phone Call
A medical staffing company, a client contract requiring coverage the market wouldn't offer, and about $10,900 in annual savings. A program review case study.
Read the case study →
Give your clients a second opinion worth having.
Request a complimentary commercial insurance program review, for a client or your own firm. A 15-minute call to start, and an honest read on where the coverage stands.
For informational purposes only. Not a binding offer of insurance. Coverage is subject to underwriting and carrier approval. Premium savings figures reflect savings identified across prior client reviews and are not a guarantee of future results. Coverage Intelligence findings are prepared for review by a licensed insurance producer and are not a coverage determination, legal advice, or a guarantee of coverage. The terms, conditions, and exclusions of the issued policy control. Insurance placed through licensed entities, including Panta.