/ Free, no obligation

Send us your policy.We’ll tell you what to cut.

Email your declarations page — the summary pages at the front of the policy — and we will read it properly and tell you what we find. Including when what we find is that your current policy is the right one and you should stay exactly where you are. That answer is allowed here, and it is the reason the rest of it is worth anything.

What we look for

• Coverage you are paying for and cannot use

  Cyber on a business that holds no data worth taking. Auto on a business where nobody drives. It happens constantly, and it renews quietly every year.

• Endorsements your contracts require and you do not have

  Additional insured, waiver of subrogation, primary and non-contributory. Limits are usually fine. The wording is usually missing, and the wording is what fails an audit.

• Limits set against nothing

  A limit picked years ago that no current contract requires, or one well below what your largest customer now demands.

• Class code and payroll basis

  Misclassification is the single most common reason a business overpays, and it compounds every year until somebody checks.

• Gaps between policies

  Care, custody and control. Underground exclusions. Liquor. The exclusions that matter are trade-specific and are where claims actually get denied.

No obligation, and we do not sell your details on. If you would rather just talk it through, call or text — that is usually faster than any form.