MetRisk Services — Commercial Insurance & Risk Management
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MetRisk Services

Questions

Everything buyers ask, answered in full.

The questions CFOs and owners raise before engaging a fee-only advisor — the fee, the broker relationship, the time it takes, what happens if we find nothing wrong — including the parts that argue against hiring us.

Nothing here is a sales page. If your program is simple enough that you don't need this, the first answer says so.

Is it worth it?

This works best when your total insurance spend is $500,000 a year or more. That's where programs get complex enough — multiple entities, multiple lines, real contractual obligations — that a structured review reliably finds something material, and where the dollars at stake dwarf our fee. Below about $250,000, most programs are simple enough that a thorough conversation with a good broker gets you most of the way there, and we'd rather tell you that than take the engagement. At the upper end, most programs we review have at least one material gap or a pricing discrepancy that significantly exceeds our fee — not because anyone was negligent, but because there's no mechanism in a standard broker relationship that forces an honest audit. If your program turns out to be clean and fairly priced, you'll know that too. That certainty is also worth something.

The services

MetRisk Services is the firm. Risk Rocket 365 is one of its services — the renewal method: a structured, repeatable renewal process that puts you in the driver's seat, not the broker and not the carrier. It sits alongside Claims Impact Compression, the OODA Risk System, Comp Care, and Captives. If you arrived through a page that talks about Risk Rocket 365 as though it were the company, that's the method talking, not a different firm.

The fee structure

Even a great broker has no way to prove they've been thorough — there's no mechanism that forces an honest check on their own work. MetRisk doesn't replace your broker; we deploy them. Your broker (and any others in the market) compete inside a process we run: a Blueprint they're scored against, carriers allocated so nothing overlaps, and every quote judged on the same evidence.

The process

No. MetRisk Services is advisory, not a brokerage. Keep whoever you already work with — they can even be one of the brokers competing in your market process. Nobody has to be replaced for this to work.

After you bind

Most advisor relationships end once you're bound. Ours doesn't have to — Claims Impact Compression is an optional add-on where we actively work your open claims and reserves between renewals, so your next renewal starts from a stronger position instead of from scratch.

Privacy and our role

Your MetRisk advisor, and the brokers you choose to send your Blueprint to. We never sell your data, and we never share it with carriers outside your renewal process.

Still have a question?

Ask it directly. The answer costs nothing either way.

The free program analysis answers most of these against your actual program, not in general terms — about 15 minutes of your time, before any broker is contacted.

Pick a time 347.252.6150Or send us the question in writing

Free, and nobody contacts your broker.

Or skip the reading and see your own numbers.

A 15-minute call answers these against your program specifically: what you're carrying, what your loss record says, and whether the price you're paying holds up. You keep the findings either way.

Michael Stoop
Book a 15-minute call

Fifteen minutes with Michael Stoop, our founder. Nothing to prepare — bring the question you can't get a straight answer to.

Pick a time Get a free policy review

Or call us now — 347.252.6150

Not ready for a conversation?

Wrong time of year?

Tell us the date your program renews and we'll follow up with you 120 days before it — the point where there is still time to run a real process.

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