Own the program you pay for.
For companies and associations that carry real risk — and are done being courted at proposal time and serviced by reflex in year three. Independent, fixed-fee advisory on your side of the table.
Operators who carry real risk.
Mid-market operators
Companies with stacked exposures and six-figure programs — the regional refuse fleet, the multi-location grain cooperative, the staffing firm watching its mod — who deserve year-three service that looks like year one.
Groups & associations
Trade groups and member organizations weighing a member-owned program — and wanting an honest read on feasibility, governance, and what it takes to run one well, from someone who has.
Forming something of your own
Weighing a captive, RRG, cell, or large-deductible structure — and wanting a go/no-go with real numbers behind it, from an advisor with no structure to sell you.
Own the program you pay for.
Four ways to engage — every one fixed-fee and scope-defined. The findings are yours: implement them with this practice, with your current broker, or with anyone else.
Program & placement audit
A carrier-grade review of what you actually own: structure and retentions, market strategy, contract insurance requirements, loss data, and the service you are getting versus the service you are paying for.
You receive: written findings, priced priorities, and the questions to put to your incumbents.
Alternative-risk feasibility
Captive, risk retention group, cell, or large-deductible with deductible reimbursement — modeled honestly against your losses, cash flow, and appetite for retention. Feasibility that tells you no when the answer is no.
You receive: a structure recommendation with the numbers behind it, or a documented reason to stay put.
Structure build & manager selection
Design first, then a genuine selection: this practice is manager-agnostic by design, working across independent captive managers and domiciles so the structure drives the vendor choice — never the reverse.
You receive: a formed, governed structure and a management team chosen on the merits.
Standing advisory
The owner's-side risk advisor across renewals, capacity relationships, and governance — board and committee participation, a quarterly cadence, and a desk that reads the market from the carrier's side of the glass.
You receive: year-three service that looks like year one.
The rules of the practice: fixed fees and defined scope. No commissions and no contingent compensation on advisory work. Any conflict is disclosed in writing before it exists. And the advice stands alone — nothing here obligates you to buy anything, from anyone.
Ask your current program one thing:
“Describe year three.”
Most insurance relationships are courted in year one and serviced by reflex in year three. Six questions tell you which kind you have.
- Who re-marketed the program last year — and what did they show you to prove it?
- What has changed in your structure since the day you first signed?
- When did someone last read a contract's insurance requirements before you signed it?
- What does your loss data actually say — and who told you, in writing?
- What would a meaningful retention change do to your total cost of risk? Has anyone run it?
- If you asked for your complete underwriting file today, how long would it take to arrive?
If the answers are thin, the market is pricing your program accordingly. That is the conversation worth having.
Have it with usStart the conversation.
A first call is thirty minutes, costs nothing, and ends with a straight answer about whether there's a fit.
Based in Omaha. Working nationally. Replies within one business day.