What we read.
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Every policy, line by line
What is covered, what is excluded, and what the exclusions cost in a real loss.
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The casualty structure
Limits, layers, and deductibles, tested against the loss history.
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The loan documents
The program read against covenants, lender requirements, and rating floors.
To do a good analysis you need to know the building.
What happens after you send it.
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01
We read the whole program
Every policy line by line, the casualty structure tested against the loss history, and the loan documents read against what the policy actually says. Not the dec pages. The endorsements, where the coverage is decided.
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02
You get it in writing
What is covered, what is excluded, and what each exclusion costs in a real loss. Every finding is priced, so you are reading numbers rather than opinions.
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03
We walk you through it
An hour, on your schedule. The Analysis is yours either way.
Three ways to act on the findings.
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01
Have it fixed where you are
Hand the report to your current agency and have them make the corrections.
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02
Bring us in to advise
We work alongside your agent until every finding is closed.
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03
Move the program to us
One signed letter makes us your agent of record. Nothing cancels in the process.