Before we touch the market, we invest time to understand the full picture.

• Portfolio review (asset performance, replacement cost, loss runs, lender requirements)
• Operational risk analysis (life safety, construction type, occupancy, loss controls)
• Current program audit to identify gaps, inefficiencies, and overpayment
• Benchmarking against thousands of similar assets
• Carrier appetite mapping to determine the best-fit markets

Outcome: A clear, measurable risk profile that forms the blueprint of your insurance strategy.

We design your program with the same discipline investors apply to underwriting deals.

• Limit modeling and scenario testing (full limits vs. restricted limits)
• Retention and deductible strategy to optimize pricing and cash flow
• Carrier panel selection based on appetite, engineering support, and long-term stability
• Creative structure options (quota share, layered towers, alternative risk options)
• Lender-compliant coverage design with proactive negotiation to avoid delays

Outcome: A tailored program structure that aligns with your financial, operational, and lender requirements.

Once the structure is approved, we execute with precision.

• Complete underwriting submissions with engineered data, not generic applications
• Early engagement with underwriters to shape the narrative
• Negotiation for rate, terms, conditions, and engineering resources
• Timely delivery of competitive quotes with full transparency
• Carrier integrations to ensure real-time feedback and coordinated responses

Outcome: Strong carrier participation, competitive pricing, and superior coverage terms.

We ensure your program is implemented cleanly and that your team has everything needed to operate.

• Certificate automation for COIs, lenders, and vendors
• Policy audits to confirm accuracy of forms, limits, and endorsements
• Lender compliance packaging
• Guidance for AP workflow, billing, and document storage
• Introduction to your service team and escalation channels

Outcome: A seamless transition into your new program with zero disruption to operations.

Your risk profile evolves — and we stay ahead of it.

• Quarterly loss review meetings
• Annual stewardship reporting
• Exposure change management (acquisitions, renovations, new developments)
• Benchmarking updates as markets shift
• Proactive feedback loops from carriers regarding engineering, risk quality, and portfolio performance
• Ongoing evaluation of limit adequacy, emerging risks, and premium drivers

Outcome: A continuously optimized insurance program that evolves with your portfolio.

When losses occur, we protect your financial outcomes.

• Dedicated claims advocacy team
• Early involvement with adjusters and carrier engineers
• Reserve monitoring and timeline guidance
• Documentation support to accelerate payout
• Strategy for restoring operations and protecting asset value

Outcome: Faster, more equitable claim resolutions — and fewer surprises.

Renewals aren’t events. They’re engineered year-round.

• Midterm analysis of loss performance and market conditions
• Renewal timeline delivered 120 days out so you’re never rushed
• Updated limit modeling and deductible analysis
• Carrier re-marketing when appropriate
• Portfolio-wide strategy for long-term premium stability

Outcome: Rate stability, predictable budgeting, and a renewal process that feels in control — not reactive.