Viking
// COMMERCIAL INSURANCE

Inertia is the
expensive part.

Property, general liability, workers’ compensation, commercial vehicle and bonding. Programs that have not been rebid in years drift away from the market quietly, and renewal is easier than rebidding — which is exactly the problem.

Start a reviewAll six systems

PROVIDERS PAY US. YOU NEVER DO.

WHAT WE LOOK AT

Coverage adequacyWhether the limits still match the business. Growth, new locations and new equipment routinely outrun a policy written years ago.
Workers’ comp experience modThe e-mod calculation is more often wrong than people expect, and a correction is worth real money every year it stands.
Carrier appetiteWhich carriers actually want your class of risk right now. Appetite shifts, and yesterday’s best market may not be today’s.
Program structureDeductibles, retentions and where the policy is doing work you could self-fund more cheaply.
Rebid cadenceHow often this program should genuinely go to market, and what happens in the years between.

WHY THIS CATEGORY MOVES

Renewal is not a market test.

An insurance renewal quote tells you what your current carrier wants to charge. It does not tell you what the market would charge, and those are different numbers — sometimes very different, especially after a few years of automatic renewals.

Rebidding is work, which is why it does not happen. We do that work on a real cadence and bring the whole field back, including the answer that your current program is priced correctly.

HOW WE'RE PAID

We are paid the same amount no matter which provider you choose.

Providers compensate us from their own margin. It is not added to your rate, your pricing is the same as going direct, and “stay where you are” is a finding we deliver in writing when the numbers say so.

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Send the current bill and contract. Twenty minutes, no charge, no obligation to change anything.

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