Insurance Program Review & Renewal Marketing
A free second opinion on your program, then a competitive renewal marketed to the right carriers.
By Dan Wentz, commercial real estate insurance broker · Updated
Most insurance programs are never actually shopped.
The incumbent agent renews with the same carrier, the rate drifts a few points a year, and nobody reads the forms until there's a claim. A review changes that. We benchmark your pricing against where comparable risk is placing today, flag the exclusions and valuation problems that bite at claim time, and when you're ready, run a disciplined marketing process so carriers have to compete for the account. It costs nothing to look.
Who this is for
Built for accounts like yours
Coverage
What the review covers
Pricing benchmark
Where your rate sits against the current market for comparable risk, in numbers rather than adjectives.
Coverage gap & valuation analysis
The exclusions, sublimits, and insurance-to-value problems that only show up at claim time.
Structure & deductible review
Whether the program still fits the portfolio and the balance sheet, or just fits last year's renewal.
Competitive marketing (RFP)
A disciplined process that takes the account to the right carriers and makes them compete.
Tools & guides
Tools and guides for this asset class
Free tool
Coinsurance Penalty Calculator
Free, no email required: a coinsurance clause cuts every claim, not just a total loss, when the limit trails replacement cost. See the exact payout on your loss, the penalty across loss sizes, and what it takes to cure the gap, plus the margin clause that replaces it on blanket programs.
Run your numbersFree tool
Commercial Insurance Rate Barometer
Free: what moves property, general liability, and excess renewal rates, from cat losses and reinsurance costs to construction prices and jury verdicts, with the data on ALRenewalIndex.
See what moves ratesGuide
Claims Strategy Guide
How you handle a claim this year sets what you pay for the next five. When to report, which claims to file, starting repairs before the adjuster arrives, and what an open claim tells an underwriter.
Read the guideGuide
Hired and Non-Owned Auto Guide
Why general liability won't answer an employee's crash on company business, where HNOA comes from, and a checklist for owners and managers.
Read the guideFAQ
Common questions
Is the review really free?
Yes. The review and the benchmark cost nothing and stay confidential. If we later market the account and you place coverage through us, we're compensated the way any broker is. There's no fee and no obligation attached to looking.
When should we start before renewal?
Ideally 90 to 120 days out. That's enough time to gather data, model the exposure, and market the account properly instead of begging carriers for extensions. We can move faster when a non-renewal forces the issue; we'd just rather not have to.
Will this disrupt our current agent relationship?
Not unless you want it to. Plenty of owners use the review purely as a benchmark. If we find material savings or better coverage, the decision and the timing stay yours.
Coverage described on this page is a general summary, not a quote, coverage recommendation, or offer of insurance. Requesting a quote doesn't bind coverage. Terms, exclusions, and availability vary by carrier, state, and property, and only the policy actually issued determines coverage. Insurance is placed through producers licensed in the state where the property is located.
Free renewal review
Talk to a program review specialist
We'll reply within one business day with when to start marketing it and what to have ready. Built for accounts with $50,000+ in annual premium.
- A second set of expert eyes on your program, free.
- Marketed to the carriers that actually want your risk.
- No obligation, fully confidential.
Book 20 minutes or call (205) 999-4884