Commercial Insurance & Risk Management

Higher Margins.
Greater Marketshare. 
Lower Cost of Risk.

You focus on building your business, we will run point—protecting your business for less cost in half the time. Outsource the risk management and insurance program management to one of the most innovative risk strategy consultants in North America.

We assist the delegated insurance program manager take control of the insurance program, compressing your total cost of risk by stress testing your current program for price & coverage terms with our proprietary OODA Risk system.

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Impacts

Cost

  • Reduce Premium Costs
  • Reduce the cost & responsibility of uncovered losses
  • Reduce time spent managing your insurance program.
  • Reduce lost opportunity costs because your insurance program is deficient.

No Surprises

  • Huge premium increases at the last minute.
  • Reduced coverage gaps
  • Uncovered Claims

Increase Growth

Consistently delivering lower costs allows you to expand margins, grow market share, and maximize EBITDA in preparation for a future sale or acquisition.
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Responsibility

Let us manage your insurance program and take accountability for your coverage terms and pricing, freeing you to focus exclusively on driving your company’s growth.
We assist business owners increase profit margins, grow market share in less time, for less cost by compressing your risk based costs WITHOUT the quoting circus.
industries we specialize in

CONSTRUCTION

Contractors, GCs & subcontractors. NY Labor Law 240/241 specialists.

CONSTRUCTION

Rent-stabilized operators, building owners, and management firms.

HOME HEALTHCARE

Agency programs, workers' comp captives, and professional liability.

NONPROFITS

Social services, foster care, D&O/EPL, and abuse & molestation coverage.

New York FOCUSED

Deep expertise in NYC and NYS regulatory and legal exposures.
Does this describe your present situation?
Stressed executive in a dimly lit office
"I’m responsible for something I don’t fully understand. I have all the responsibility, but get none of the credit. If I don’t purchase the right coverage everyone will realize I was never qualified to own this.
— Anonymous C.F.O. of a Fortune 5000 Company.

You're a smart executive. 
Insurance isn't your job.

You were handed the business insurance program renewals and told to "handle it." You have no time but are expected to manage insurance contract negotiations, insurance claims, customer insurance requests, policy documents & endorsements, multiple brokers, and proof of insurance — without a background or real training in property & casualty insurance / risk management. We exist for you.

CFOs & Finance Leads

Insurance is one of the most expensive business decisions you will make this year with the least amount of information. We change that dynamic so you make an informed decision of what risk to retain, and what risk to sell to the insurance marketplace for the least amount of premium possible.

Hr & Operations Managers

Your work comp & benefit renewals land on your desk every year. You have no time but all the responsibility. We help you manage and compress claims so your future insurance costs remain cost efficient, cost consistent. We build purchasing and claims management processes that make sense so that you can focus on your business and not insurance.

Business Owners & CEOs

You need cogent metrics, solid strategy, and a quick feedback loop for all stakeholders to proactively manage the insurance program. You can’t manage what you don’t know. You & your team run your business; let us manage your insurance program.
Why Business Insurance Is Painful to PurchasE:

Business Insurance Renewal Processis broken by design.

Without a licensed Risk Finance Strategist in your corner, 4 structural failures make each renewal season a costly challenge. It doesn't need to be this way. Business Insurance is a complex financial product. You never know how much your program costs until an uncovered claim hits.

01

BUYING BLIND

Most C.F.O’s rely on their brokers recommendations without the internal expertise to challenge them. Trust based purchasing with no way to stress test the program for pricing, coverage terms or structure is a serious flaw in most middle market companies relying exclusively on their broker.
IMPACT:  An exclusion on the policy no one flagged resulted in a balance sheet event whereby the business must fund the uncovered loss through current operating cash flow, cash reserves, or loans.

02

Time Consuming, Flawed Renewal Process

You fling your current redacted policy, loss runs to 3 brokers and ask for quotes. The result is lots of noise, disappointment, loss time for little to no result. You end up staying with your incumbent broker because it was the easiest path, not the best path.
IMPACT:
 The business insurance process is a big black box; you're never sure if you got the best deal. You're asked to make a 6 to 7 figure purchasing decision 48 hours before the current program expires, without knowing if you overpaid for less coverage.

03

WRONG METRICS

Decisions get made based upon premiums and coverage limits. Unfortunately business insurance is a very complex financial instrument. You never really know how much it costs until the claim hits. An unfunded loss will exponentially escalate your cost structure, wiping out years of profit.
IMPACT: Often the “cheapest quote” gets selected, allowing the insurance marketplace to dictate who your broker is. Without a trusted 3rd party, there's no way to stress the business insurance program for price, coverage terms, structure.

04

NO SYSTEM

You wouldn’t bid a construction project without a blueprint or bid sheet. Why do you “shop” your insurance program by distributing policies and loss runs to multiple brokers without a clear strategy, leading to inevitable confusion when the quotes return?

Furthermore, managing insurance policies, vendor & customer contracts, schedules of properties, vehicles, and claims with emails & spreadsheets is nearly impossible to maximize efficiency or minimize costs.
IMPACT:Pain, confusion, stress and higher costs until the next year when the insurance renewal circus roles into town once more.
HOW WE FIX IT

The Renewal Control

Risk Rocket 365 Logo
Five deliberate interventions that put you in control of your insurance program — instead of reacting to whatever the market sends back.
OUR PROMISE

You'll never sit in a renewal meeting unprepared again.

Every client gets a documented coverage blueprint, a structured renewal process, and clear CEO-ready decision summaries — not more paperwork to translate.
1
Build the Coverage Blueprint
Define "good" before quotes arrive. Structure, terms, acceptable exclusions — all on paper before market submission.
2
Run a Real Renewal Process
Timeline-driven, data-complete market submissions with a clear ask — not a passive wait for carrier responses.
3
Quote-to-Blueprint Scoring
Every quote scored against your blueprint's variables. The cheapest option might rank last if its terms don't deliver.
4
Decision-Ready CEO Updates
Clean summaries with clear options and rationale — translated for leadership, not left as policy stacks to interpret.

5
Claim Impact Compression
Controls that reduce frequency, severity, and repeat losses — so the program improves year over year.
THE SHIFT

From reactive to in control.

Five common mistakes most commercial insurance buyers make. 
How our method turns mistakes into a competitive opportunity.
MISTAKE
My job is to approve the insurance quotes, not identify exposure; confirm best priced insurance coverage.
Further, we end up choosing the lowest premium for the same coverage limit; not fully understanding what we bought.
Our Risk Rocket 365 Method
Our method ensures all brokers are quoting off the same spec sheet. We build a risk / coverage blueprint, leveling up the quotes, identifying disparities, negotiating terms, pricing while you focus on growing your business. The goal is to transfer as much risk off your balance sheet for the lowest cost possible.
MISTAKE
I’ll check my brokers pricing by shopping with 3 other brokers.
Our Risk Rocket 365 Method
The challenge is each broker is telling a different story about your company, quoting different coverages. No two quotes are the same. The process is messy, inefficient, time consuming, often not resulting in the outcome you desired.
MISTAKE
Goal is to lower our insurance price.
Our Risk Rocket 365 Method
The goal is to transfer as much risk off your balance sheet for the lowest cost possible.              
MISTAKE
When our premiums go up the broker points to our claims for the higher cost. “Well there is nothing we can do. Your premiums went up because the account is unprofitable.”
Our Risk Rocket 365 Method
That’s only half true. The reason brokers don’t invest resources into claims prevention / claims management is because it’s part of their business model. When you have claims your premium goes up. When your premiums go up, their commissions rise which is why we focus on claims prevention / claims management with our OODA Risk System. How we manage your claims is a major differentiator for us.
MISTAKE
You want the result, lower costs, however the project is under resourced and staffed by someone who is not a subject matter expert, which is why “Shopping the insurance” rarely works on a consistent basis.
Our Risk Rocket 365 Method
We are a full on risk management department that you find in a much larger corporate organization. For a modest fee you get to leverage our software, our team, our experience, our contacts to deliver the most cost efficient, cost consistent insurance program to help give you a competitive advantage in your native marketplace.
You focus on growing your business; we manage your insurance program

Maximum risk transfer.
Lower Cost

No Quoting Circus

Controlled Renewals

Our Risk Rocket 365 method is a structured, repeatable system that puts you in the driver seat— NOT the Broker, Not the Carrier.
Without: becoming an insurance expert or doing last-minute document hunts.

Maximum Risk Transfer at Lower Cost

You decide what risk to retain, what risk to sell to what insurance carrier, and for what premium. Coverage designed around your exposures, not the brokers preferred market. Better Terms, lower defensible premium.
Without: all the noise & effort, shopping the program with (3), not trusting or understanding what it is you're actually buying at what price.

Claims Compression & Cost Reduction

Our clients understand the cost of their insurance program is a function of how well they prevent & manage claims. We teach your staff to understand that business insurance is essentially a very expensive credit line in reverse. To drive costs lower, claim compression is the fuel that powers the Risk Rocket 365.
Without: Your insurance broker does not focus on claims because it costs them money to resource it. If they are successful in closing your open claims, they make less money. Our goals are aligned with yours.

O.O.D.A. RISK MANAGEMENT SYSTEM

You can’t manage what you don’t know. This information system allows designated stakeholders to have a full view of all current & expired insurance policies, incident in-take, open & closed claims, loss ratios and Total Cost of Risk Analysis. It’s very difficult to manage the insurance program simply through email and spreadsheets. For more information on our OODA Risk System, CLICK HERE.

COMPENSATION:
We work on an annual flat fee basis. For every dollar a client pays us, we generate an average of $3.20 return on investment, which we track annually and deliver in a year-end report. We have delivered over $38 million dollars in positive outcomes for our clients over the last 10 years.
Without: Paying commissions to your broker on how much premium they can sell you. Quite often they are paid bonuses on how much premium they sell in a given year.

Still Evaluating? 
Hear Directly From Our Advisors

These short clips explain how experienced risk advisors think about renewals, claims exposure, and program design—so you can make better decisions before problems surface.
MetRisk Video Panel

We’ve had the pleasure of working with some great companies:

"We were facing a catastrophic claim after torrential rain flooded the entire 14-story 'A-line' of a building where we were repairing the parapet. Despite the extreme weather, management held us responsible because we were active on the roof. We immediately called MetRisk, and they activated their '911 Claim Protocol.' Within hours, they had an independent engineer on-site performing a forensic diagnostic. Their investigation proved that the building’s infrastructure was at fault, completely exonerating our team. MetRisk is the partner you want in your corner when the stakes are highest."

Martin Dooley,
HDK Construction

"During a major construction project for Nordstrom’s, a contractor left a significant opening in the building’s envelope secured only by plywood. Our pipes froze, flooding the building and causing extensive damage to our mechanical systems and tenant spaces. MetRisk mobilized an attorney and engineer over the weekend to investigate. Thanks to their expert intervention, we successfully transferred the entire liability back to the negligent contractor. MetRisk’s rapid response didn't just mitigate damage; it protected our loss history and shifted a massive financial burden away from our company."

Christos Kotsogiannis,
Ionian Management

"We're heavily involved in WRAP and CCIP programs, so maintaining a clean Experience Modification Rate (EMR) is critical to our bidding capacity. When our EMR unexpectedly spiked despite a clean claims history, MetRisk identified the anomaly immediately through their proactive weekly monitoring. They discovered that a WRAP Administrator on a specific CCIP project had incorrectly reported a significant claim against our ID number, coordinated the correction, and restored our rating before it impacted our business. Their expertise in year-round risk management is a game-changer."

Kevin O'Sullivan,
Alubuild USA

"When our Workers' Comp Experience Modification Rate (EMR) climbed above 2.0, we were facing a 50% premium increase that pushed our annual expenditure well into the seven-figure range. While other consultants and brokers simply threw up their hands—claiming our 'challenged' workforce made claim prevention impossible—MetRisk stepped in with their specialized 'Comp Care System. In 18 months, they cut our EMR in half through aggressive claims management and staff training. Beyond the immediate savings, they transitioned us to a reward-based program that has returned over $1.3 million in dividends to our bottom line. MetRisk’s unique combination of high-level systems and expert personnel delivered results that we simply could not have achieved on our own.'"

Danielle Mitchell,
COO

"Before partnering with MetRisk, we relied on a consultant and a large, publicly traded broker who focused solely on shopping our account for better rates. When claims frequency began to climb, both parties essentially gave up, blaming the 'hard market' for our rising costs. We were being drained by nuisance and fraudulent claims that decimated our profitability. The MetRisk team stepped in with a radically different, aggressive strategy. By implementing their '48 Protocol' and taking direct control of the claims process, they reduced our incurred losses by a staggering 73%. This aggressive strategy allowed us to restructure our program and achieve a 40% premium reduction—even as our NYC multi-family real estate peers saw 15% increases. MetRisk is the strategic partner you need to turn claims into a competitive advantage."

Amir Sobraj, CFO
Zara Realty

We compress your
total cost of risk.

We are NOT insurance purchasers; you're not buying advice, you are purchasing a system, infrastructure & team that delivers results with a measurable ROI. You focus on growing your business, let us protect that business by managing your insurance program. 365 days a year.

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