An independent risk assessment, before you renew
An honest look at where your business is actually exposed, and what your current policies would and would not cover. Free, and no obligation to move anything.
Why start here.
Most business owners can’t say whether their commercial policy would cover them if something went wrong. Not because they are careless, but because nobody explained it. Too often the gaps show up only after a claim is filed.
That is why Kristi leads every relationship, new or existing, with an independent risk assessment. It is not a sales pitch. It is a review of how your business really operates, compared with what your policies say.
What Kristi looks at.
How your business is set up and who is on your crew: employees, 1099 workers and true subcontractors. The contracts you sign with clients, landlords and lenders, and the insurance requirements inside them. Your current policies: limits, exclusions, endorsements and renewal dates. Your vehicles and who drives them. What your website and social media say you do, because underwriters look.
What to bring.
Your current policy declarations pages, or simply your carrier names and renewal dates. Any client or vendor contracts with insurance requirements. A list of vehicles and drivers if you run them. If the paperwork is hard to find, start with what you have.
What you get.
A plain-language conversation about what is solid, what is not, and what to fix first. If changes make sense, Kristi takes your account to the carriers that want to write it. If your current program holds up, she will tell you that too.
Questions we hear
The short versions of conversations Kristi has with business owners every week.
What does it cost to talk to Kristi?
Nothing. The first conversation is a free, no-pressure look at your business and your current coverage.
When should I start the conversation before my renewal?
Sixty to ninety days before your renewal date. That leaves time to read your contracts, fix gaps and take the account to market if the numbers justify it. If your renewal is next week, call anyway.
Do I have to change agents to get one?
No. The assessment does not touch your current coverage. Many owners use it as a second opinion before renewal, or after a big change such as new contracts, a new location or rapid hiring.
What is the difference between a commercial insurance broker and a captive agent?
A captive agent represents one insurance company and can only offer that company’s policies. An independent broker like Infinity Group Insurance holds appointments with many carriers, so the job is to find the carrier that actually wants to write your kind of business, not to fit your business into one company’s shelf.
Keep reading
Ready to have someone in your corner?
Book a free consultation. We’ll walk through your business, identify the gaps, and build a strategy that actually fits.