Most policies look adequate on the surface but contain gaps, exclusions, or misaligned limits. A proper review evaluates coverage in context—how policies interact, where exposure exists, and whether the structure holds up under real-world scenarios.
Certificates are often rejected due to wording, limits, additional insured requirements, or mismatch with contract language. Coverage must be structured correctly before the certificate is issued—not corrected afterward.
Not always—but inexpensive coverage often reflects narrower terms, higher exclusions, or weaker claims support. The goal isn’t the lowest premium; it’s coverage that performs when tested.
At minimum, annually. Reviews should also occur when business operations change, contracts are updated, assets are acquired, or personal circumstances shift. Insurance that isn’t reviewed becomes outdated quietly.
Buying a policy is a transaction. Coverage planning is a process. Planning considers risk, structure, future changes, and how policies work together—rather than selecting coverage in isolation.
Yes. Growth changes risk. As operations expand, contracts increase, or assets accumulate, coverage should evolve to match exposure—not remain static.
Contracts, existing policies, and a clear picture of how you operate. The more accurately risk is understood upfront, the more effective the solution.