We run our own analytics

We quote and underwrite each client manually with every insurance carrier that we are contracted with. We never use a comparative rater because they typically miss out on eligible discounts which generally causes a quote to be inaccurate by coming back higher than they should. We want the most accurate rate possible for our clients and for our analytics. When our quotes are as accurate as possible, this allows us to effectively track how competitive each insurance carrier is within our network, so we have a realistic understanding of the cost-to-value relationship of all our insurance packages with our contracted partners. When we quote potential clients who are coming from an insurance carrier that we do not offer, we always ask for a declarations page so we can see the prior coverages and premium so we can compare other carriers with ones we offer so we can understand how competitive we are in the marketplace. We take all of our results and input them into excel and other documents where we conduct in-depth analytics. This allows us to monitor trends with our current carriers and allows us to identify gaps that may require us to contract with new carriers.

We perform our own research

We talk to industry experts, monitor changes in state legislation, and review creditable industry news articles to monitor and forecast industry trends. We take best practices to grow and lead through change. Having this knowledge helps us make better decisions, provide better professional guidance, and offer valuable products to our clients. This research allows us to forecast potential issues that we can create a contingency plan for should the roadblocks come to pass. We constantly strive to change the industry for the better, but this wouldn’t be possible without understanding the foundation of operations.