Annual insurance program review
Your business changed this year; your insurance may not have kept up. A yearly review checks for gaps, overpayments and limits that no longer fit, before a renewal or a claim brings them to light.
No cost, no obligation · Written action plan
Programs drift between renewals
Insurance isn't a one-time purchase. Over a single year revenue grows, operations shift, carrier appetites move and the market re-prices, while an unreviewed program slowly falls out of step with the business.
An annual review re-tests the whole program: it looks for coverage gaps, checks limits against the business as it is today, benchmarks pricing against the market and evaluates your carriers. You receive a written plan of what to change and what each change is worth, and you act on it only if you choose.
What an unreviewed program can hide
Three illustrative examples of what a missed annual review can cost, and how a review catches it.
Cloud systems, no cyber coverage
A manufacturer was shut down for eight days by a cyber attack. A review afterward found they carried no cyber liability coverage, despite moving to cloud-based systems three years earlier. With no cyber policy, the full loss came from operating capital.
- Business interruption$620,000
- Recovery$150,000
- Notification and credit monitoring$80,000
Illustrative example. Real outcomes depend on the facts and your policy terms.
Our annual review process
Four steps that turn an automatic renewal into a documented program.
Gather and benchmark
We collect your current policies, five years of loss runs and this year's business changes, then benchmark where you stand: full policy and declarations collection, loss-run review, growth intake and peer benchmarking.
Coverage and limit analysis
A line-by-line search for gaps, an adequacy check on every limit against today's revenue and assets, a certificate and endorsement audit against your contracts, and identification of new exposures.
Market and cost review
We test the price with A-rated carriers, evaluate your current carriers' service and financial strength, analyze deductibles and project rates over several years for budgeting.
Report and action plan
A written report with prioritized recommendations, cost-benefit analysis on each change, loss-control guidance and a clear timeline. You act on it only if you choose.
Twelve checks in every annual review
Filter by focus or search for a specific check.
Coverage gap analysis
Line-by-line policy review for missing endorsements, inadequate limits and exclusions that create gaps as your business evolves.
Limit adequacy assessment
Liability limits, property values, equipment schedules and umbrella coverage reviewed against current assets, revenue and contract requirements.
Emerging risk identification
New exposures from technology adoption, new service lines, expanded territories, acquisitions or regulatory change.
Competitive market analysis
Your coverage compared across multiple A-rated carriers for better pricing and terms; savings of 15–25% are common when a program hasn't been marketed recently.
Deductible optimization
Whether adjusting deductibles would save enough premium to justify the added retention.
Multi-year rate projection
A three-to-five-year cost forecast based on industry trends, loss history and growth, for budgeting.
Carrier performance evaluation
Your carriers' financial strength, claims service, premium trends and appetite.
Claims history review
Loss-run trends, carrier claims performance and strategies to reduce future incidents and your experience mod.
Certificate of insurance audit
Certificates, endorsements and additional-insured requirements checked against current operations and contracts.
Contract insurance requirements
Client contracts, leases and vendor agreements reviewed so your coverage meets required coverages, limits and endorsements.
Loss control recommendations
Specific safety improvements and risk-mitigation steps that reduce claim frequency and severity.
Written action plan and timeline
Prioritized recommendations, cost-benefit analysis, implementation steps and a timeline.
The longer it's been, the more a program drifts
The value of a review depends on your current pricing, loss history and the market. As a general pattern, the longer a program goes without an independent review, the more both price and coverage tend to drift.
- Reviewed within the last year: a light annual check keeps pricing current and confirms nothing has changed.
- 12 to 24 months: pricing and coverage have likely started to drift; a review confirms what can be recovered.
- More than 24 months: overpayment and coverage gaps are both common.
A review built on claims experience
Independent analysis
As a broker, we look at your program across the market and surface what needs attention, with no pressure to move anything.
Claims-tested judgment
Having handled thousands of claims, we know which provisions and limits matter when a loss happens, and review your program with that in mind.
Able to act on it
With relationships across 50+ A-rated carriers, we can move coverage when we find a better fit, rather than leaving you with a list of problems.
Schedule your complimentary program review
Find coverage gaps, savings opportunities and risk-management improvements in your current program. No cost and no obligation.
Descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. Scenarios, percentages and dollar figures are illustrative examples, not guarantees or representations about any business; actual results vary by pricing, loss history, coverage and market conditions. Coverage is governed by the terms, conditions and exclusions of the policies issued and is subject to underwriting.