Claims Impact Compression
The stage most advisors skip entirely.
Your broker's job ends at bind. Ours continues until your next renewal — because what happens between renewals sets what you pay at the next one.
Most buyers don't realize they can contest reserve amounts.
A reserve is an estimate set by someone else, about your money, that prices your next renewal. It is not a fact, and it is not final.
The mechanism
Your loss ratio is set between renewals, not at them.
At your next market event, carriers don't see the story of what happened — they see a number. Your loss ratio — determined in the 12 to 36 months before you showed up.
Open reserves at your current carrier inflate that number even for claims that haven't paid out. A single inflated reserve on a large workers' comp or GL claim can push your loss ratio from acceptable to problematic overnight — and it can be challenged, with documentation, while the claim is still open.
Brokerage economics rarely reward this work. Close the open claims and the program renews smaller, and the commission with it. The brokers who do it anyway are the exception, and it is worth knowing whether yours is one.
We're paid a flat annual fee regardless of your outcome — our goals are aligned with yours. We have every reason to make the number look as good as it legitimately can, so at your next market process carriers are competing for a well-documented, improving risk, not a problematic one.
Think of your insurance program as a very expensive credit line — in reverse.
Every dollar recovered through reserve challenges, loss control, and documented claim management is money back on your balance sheet. The goal isn't just minimizing what you pay out — it's maximizing the return on every premium dollar, which is what a managed program does and a transactional broker relationship doesn't.
In their words
What taking control of claims did for one client.
“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.”
A client's own words, quoted in full. Every account is different — the mechanism behind it, contesting reserves and documenting the record, is the same one described on this page.
Three ongoing stages
It runs continuously, not once.
01Flag inflated reserves
02Document patterns and loss control
03Build your loss-ratio record
Availability
When you can add it.
An add-on to a MetRisk Services engagement, for clients who have completed a full market process using Risk Rocket 365, our renewal method. It starts on your bind date and runs until your next full market process.
It is not available standalone — the starting point is your Coverage Blueprint, which defines what your program should look like and gives us the baseline to measure progress against.
Existing clients who have bound through us can add it at any time. Call your advisor, or reach us on 347.252.6150, and we'll add it to your program.
The fee — the short answer
A fixed fee based on the complexity of your program. We quote it plainly in the first conversation, which costs you nothing.
The longer answer, in the FAQTwo minutes, from the series
The between-renewals argument, on camera.
Why the work between renewals is where the money is — and the time-value trick that makes carriers slow with yours.
Met Risk Corner · 2 min
How Claims Management Pays Off
Where it connects
Compression doesn't work alone.
Not a client yet? The free program analysis is where every engagement starts — your policies, your loss runs, and what they say about your next renewal.
Start the free program analysisPrefer to talk it through? 347.252.6150
Start where every client starts.
The free program analysis shows what your current program actually looks like — the gaps, the benchmark, and the case for acting before your next renewal.
Fifteen minutes with Michael Stoop, our founder. Nothing to prepare — bring the question you can't get a straight answer to.
Or call us now — 347.252.6150
Not ready for a conversation?
Take the blind-spot check
Ten questions about your own program, answered from memory in ninety seconds. Nothing uploads.
Get one policy reviewed, free
Send the policy you are least sure about. We read it against how you operate and send back the three findings with the most at stake, each tied to its page.
Run your own loss pick
Premium and losses in, your ratio against the 50% line out — one year is enough. Nothing is submitted to anyone.
Walk a full engagement
A sample account, start to finish — the blueprint, the gaps, the scored quotes, the decision. Judge the work before the pitch.
- Flat annual fee — never a percentage of your premium
- Broker commission disclosed on every quote, in writing
- No contingency payments, overrides, or profit-sharing