When did you last get a real second opinion on your insurance?
If you've been with the same broker for more than three years and never seen competing quotes, you're almost certainly overpaying or underinsured — sometimes both. As an independent broker representing dozens of carriers, we rebid your full program and let the numbers speak.
What a commercial insurance engagement typically delivers.
- Carrier-neutral comparison. We work with 20+ A-rated carriers. The recommendation is the one that fits your risk profile, not the one with the best broker incentive.
- Coverage right-sizing. Many businesses are underinsured on cyber and employment-practices liability while being overinsured on property. We surface the imbalance.
- Workers' comp experience-mod review. Calculation errors in your e-mod factor are surprisingly common and worth thousands annually.
- Same broker, year after year. You'll work with Brad on every renewal — not whoever was assigned to your account this quarter.
What we check
- Current premiums vs. carrier benchmarks for your industry
- Coverage gaps (cyber, EPLI, professional liability) commonly missed
- Workers' comp experience modification accuracy
- Property valuation and replacement cost basis
- Auto fleet classification and usage profile
- Bonding capacity and rate
- Claims history and renewal exposure
Composite figure across recent engagements. Your savings depend on current pricing and volume.
Professional services firm: $14K saved on rebid, better A.M. Best rating.
An 18-person Dallas professional services firm had stayed with the same broker for 8 years out of inertia. We rebid the full program across five carriers, secured equivalent coverage at $14K less in annual premium, and moved them from a B+ to an A-rated carrier.
I'd been with the same insurance guy for years out of loyalty. Turns out loyalty was costing me $14,000 a year. Should have done this sooner.
Common questions on commercial insurance.
How are you paid?
On commercial insurance, we operate as an independent broker and are paid by carrier commission — same model as any other broker. The difference is we disclose it to you in writing and represent enough carriers that no single one influences our recommendation.
Do you handle claims?
Yes. As your broker of record, we advocate on your behalf with the carrier when claims arise. That's where independence matters most — we work for you, not the carrier.
How often should I get a second opinion?
Every 3 years minimum. Markets shift, carriers change appetite, your business changes — and your incumbent broker rarely volunteers to rebid against themselves.
Will this disrupt my current coverage?
No. We can quote and compare without you switching anything. If you decide to move, we handle the broker-of-record letter and ensure no coverage gaps.
Worth 20 minutes to find out?
Discovery calls are free. Findings reports are free. You never pay Viking. The providers we place business with do.