Our Approach
Underwriting begins with science. Differentiation requires context.
Exposure data establishes the foundation of every roofing submission. What separates two contractors with identical revenue and payroll is everything the data does not show.
The difference
A submission tells an underwriter what you do. A strategy explains why you are different.
Most carriers begin with the same quantitative factors: revenue, payroll, vehicles, losses, geography, years in business and operations. Those factors establish the foundation.
But two roofing contractors with identical numbers can represent very different risks. One may have formal subcontractor agreements, certificate controls, telematics, driver qualification standards, documented safety practices, experienced management, return-to-work procedures, contract review and improving loss performance. The other may not. If the carrier never sees those differences, it has little reason to price the two companies differently.
Our objective is to give the right underwriters enough information to understand the risk — and enough confidence to compete for it.
The Method
Six stages, worked in order.
Select a stage to read what happens in it.
- Diagnose
- Improve
- Position
- Negotiate
- Place
- Manage
Each cycle informs the next. The loop does not reset at renewal.
We review the existing program, exposures, contracts, loss history and operational characteristics before any market is approached.
Diagnose, improve, position, negotiate, place, manage — then diagnose again. The work does not stop when the program is bound.
Interactive
What does an underwriter actually see?
Choose a factor to see what the data communicates, what it leaves out, and how we build the missing context.
Revenue tells an underwriter scale, not character.
Revenue sets the rating basis for general liability and frames the size of the account. It says nothing about how the work is performed, who performs it or how the company controls what happens on a roof.
- What the data shows: exposure base, growth rate, account size
- What may be missing: project mix, self-performed versus subcontracted work, customer type
- How we build context: a revenue breakdown by operation, project type and contract structure
Roofing Risk Map
The exposures surrounding a roofing business.
Select an area to see how it affects insurability, cost and claims.
Exposure
People
Crew tenure, supervision, classification and injury exposure sit behind workers' compensation cost and much of the liability picture.
Renewal
A renewal is a twelve-month process, not a thirty-day event.
The work that changes a renewal outcome happens long before quotes are issued. Exact timing varies by account, program structure and market conditions.
- 120 Days
Risk Diagnostic
Program, exposures, contracts and loss history are reviewed while there is still time to act on what we find.
- 90 Days
Risk improvement and underwriting preparation
Documentation, controls and open claims are addressed, and the underwriting narrative takes shape.
- 75 Days
Market strategy
We determine which markets fit the account and how the submission should reach each of them.
- 60 Days
Carrier engagement
Markets are approached directly, with the context underwriters need to evaluate the risk properly.
- 30 Days
Negotiation and program comparison
Terms, structure, limits and economics are compared side by side rather than on premium alone.
- Bind
Implementation
Binding, certificates, endorsements and internal onboarding are handled deliberately.
- Ongoing
Risk management and claims
Service, claims advocacy and risk work continue throughout the policy year.
Timelines are illustrative. Availability of coverage, terms and pricing vary by account, carrier, underwriting result and jurisdiction.
Start with a conversation.
A discovery call is not a quote request. It is a conversation about your company, your program and what you expect from an advisor.