Independent, flat-fee advisory across your entire program, designed to replace your traditional broker, empowered by technology.
Watch what happens in the first 60 seconds after you share a policy with us. Our technology reads every clause, benchmarks it against the market, and hands off to a risk manager for remediation.
| Coverage | Each Occurrence | Aggregate |
|---|---|---|
| General Aggregate Limit (Other than Products-Completed Ops) | — | $2,000,000 |
| Products-Completed Operations Aggregate (CG 21 04 attached) | — | EXCLUDED |
| Personal & Advertising Injury Limit (Any One Person or Org.) | $1,000,000 | — |
| Each Occurrence Limit | $1,000,000 | — |
| Damage to Premises Rented to You (Any One Premises) | $100,000 | — |
| Medical Expense Limit (Any One Person) | $5,000 | — |
| Classification | Code | Premium Basis | Exposure | Rate/$1k | Adv. Premium |
|---|---|---|---|---|---|
| Internet Retailer, Apparel | 18437 | (s) Gross Sales | $40,000,000 | $1.20 | $48,000 |
| Warehouses, Private | 68500 | (a) Area | 22,000 | $0.085 | $1,870 |
| Terrorism Premium (TRIA, not declined) | $240 | ||||
| Total Advance Premium (Annual) | $50,110 | ||||
Your policies, certificates, and claims, managed in a single dashboard your whole team can access. Your dedicated risk advisory team works inside the same platform.
| Coverage | Carrier | Effective | Expires | Premium | Status |
|---|---|---|---|---|---|
| General Liability | CNACNA Financial |
04/01/25 | 04/01/26 | $26,000 | Active |
|
Coverage Limits
Each Occurrence$1,000,000
General Aggregate$2,000,000
Prod / CO Aggregate$2,000,000
Personal & Adv. Injury$1,000,000
Fire Damage (Any One)$100,000
Medical Expense$5,000
Key Endorsements
CG 20 10: Additional Insured (Ongoing Ops)
CG 20 37: Additional Insured (Completed Ops)
CG 25 03: Designated Project Aggregate
CG 21 67: Fungi & Bacteria Exclusion
CG 24 04: Waiver of Transfer of Rights
Premium & Payment
Annual Premium$26,000
Installments$2,167 / mo
Plan12-pay monthly
Paid to date$4,334
Documents
|
|||||
| Cyber Insurance | AT-BAYAt-Bay |
04/01/25 | 04/01/26 | $18,400 | Active |
| D&O Policy | MARKELMarkel Corp |
04/01/25 | 04/01/26 | $31,200 | Renewing |
| Workers Comp | EMPLRSEmployers Holdings |
01/01/25
Effective date out of sync with other policies.
Consider aligning to Apr 1 on next renewal. |
01/01/26 | $12,800 | Active |
|
Workers Compensation · Employers Holdings · Policy WC-2025-0112
Eff. Date
01/01/2025
Exp. Date
01/01/2026
Bodily Injury / Occurrence
$1,000,000
Bodily Injury / Employee
$1,000,000
Policy Limit
$1,000,000
Annual Premium
$12,800
Renewal Advisory: Effective Date Misalignment
Your Workers Comp policy renews January 1, while your GL, Cyber, and D&O all renew April 1. Misaligned dates create gaps in coordinated coverage, complicate mid-term endorsements, and require two separate renewal processes each year. We recommend requesting a short-term extension at renewal to align all policies to a single April 1 effective date. We will handle this with the carrier.
→ Your advisory team will address at renewal
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These are real examples of what our team finds when we review a new client's program. Most companies carry policies that look complete on paper but contain exclusions, misclassifications, and gaps that would leave them exposed at the worst possible moment.
Click any finding below to see exactly what was wrong and how we fixed it.
Companies switching from traditional brokers typically save 25–35% on their total insurance spend.
"We had no intention of switching brokers. Insurance Services blew us away on the first call. They found coverage gaps our old broker missed for years."
"As a VP of Finance, I'm focused on the bottom line. Insurance Services shifted my whole perspective on what insurance should look like. Their platform alone saves my team hours every week."
"A better risk team, better platform, and better service than anything we had before. The transition was seamless. Would recommend without hesitation."
We charge a single flat fee, scoped to your program. No commissions, no spiffs, no percentage of premium. When your premium goes up, our fee doesn't. When you have a claim, we aren't rewarded for looking the other way.
Share your current policies and we'll deliver a clause-by-clause review covering gaps, misclassifications, and market rate benchmarks. Most reviews are back within 24 hours. No pressure, no obligation.