Risk Management
Total cost of risk is managed between renewals.
Premium is the visible number. Claims, audits, deductibles, litigation and downtime make up the rest.
Disciplines
Where the work is done.
Each discipline is scoped to the size and complexity of the organization. A $6 million roofer and a multi-state platform do not need the same program.
Subcontractor Risk
Agreements, insurance requirements, additional insured and primary and noncontributory wording, waivers of subrogation, limits, verification and ongoing tracking. This discipline alone influences liability pricing, workers' compensation audits and excess capacity.
Contractual Risk Transfer
Review of indemnity language, insurance requirement exhibits, additional insured obligations, warranty terms and limitation of liability before you sign.
Fleet & Driver Risk
Driver selection criteria, MVR standards, onboarding, telematics use, accident review, vehicle maintenance and post-accident procedure.
Safety
Fall protection, ladder and hoisting practice, hot work controls, heat illness, documentation and supervisor accountability — organized so it is defensible to an underwriter and useful on the roof.
Claims Analysis
Loss run review by cause, class, crew, location and project type so corrective action targets what is producing the losses.
Loss Control
Coordination of carrier loss control visits, recommendation responses and follow-up so service interactions strengthen your file.
Certificates
Issuance discipline for owners, general contractors and lenders, plus inbound collection standards for your subcontractors.
Growth & Acquisition Risk
New states, new systems, new project types or an acquisition change exposure and licensing. We address the implications before closing, not at the next renewal.
Renewal Strategy
A defined timeline for exposure data, loss review, narrative preparation, market strategy and decisions, so renewal is completed on your calendar.
Risk Financing
Deductible, retention, captive and loss-sensitive structures evaluated against your balance sheet, loss profile and appetite.