How It Works
Coverage review first. Recommendations second.
We don't quote before we understand what you have. Every engagement starts with a review of your current program — what's covered, what's not, and where the exposure is.
The Advisory Process
Four steps from first conversation to in-force coverage.
Coverage Gap Assessment
Start with the online assessment — seven questions about your business type, fleet size, current lines, and biggest concern. You'll get a Coverage Risk Score and a brief on the gaps we see most often for businesses like yours.
Take the assessmentFRA Report
The Business Risk Assessment Report is a full review of your current risk portfolio — health, workers comp, GL, auto, cargo, E&O, cyber, and more. We look at what you have, what you're paying, and what you're missing before we recommend anything.
Get your FRA ReportMarket Placement
Once we understand your risk, we take it to market. We have access to specialty and admitted carriers across all four lines — and we shop the risk to the markets that price it correctly for your business model, not just the ones that are easiest to place.
See coverage linesOngoing Advisory
After placement, we stay engaged. Coverage needs change as businesses grow, fleets expand, and regulations shift. We review your program annually and proactively — not just at renewal when it's too late to make meaningful changes.
Contact usThe FRA Report
The most useful thing we do before we do anything else.
Most businesses don't know what their current coverage actually covers — or doesn't. The FRA Report is a structured evaluation of your full risk portfolio. It surfaces gaps, flags redundancies, and gives you a clear picture of where you're exposed before a claim makes it obvious.
No obligation. No pitch before the review is complete.
What the FRA Report covers
- Commercial auto review
- Workers comp classification audit
- General liability gap analysis
- Medical malpractice exposure check
- Cargo and inland marine review
- Cyber and E&O exposure
- Captive feasibility (if applicable)
- Carrier and premium benchmarking
What makes this different from a standard broker.
We review before we recommend
Most brokers quote what they want to sell. We evaluate what you have before we suggest what you need. That means our recommendations are based on your actual exposure, not our easiest placement.
Multi-line, one relationship
Commercial auto, workers comp, GL, and medical malpractice — managed through a single advisory relationship. No juggling multiple brokers with no visibility into each other's work.
Specialty market access
We're not limited to standard admitted markets. For risks that most brokers can't or won't write — gig economy fleets, delivery contractors, complex healthcare operators — we have the market relationships to place it correctly.
Connected to your benefits
Through Health Logistics Group, we're one of the only advisors that can also address your employee health benefits alongside your P&C program — giving you a complete picture of your risk and benefit spend.
Start with the assessment. It takes two minutes.
Seven questions. A Coverage Risk Score. And a clear brief on where businesses like yours are most exposed.