Free program analysis

Tell us where to look.

Three depths, all free, and the findings are yours to keep whether or not we ever work together. Start wherever your doubts are.

Rather just talk?

Book a 15-minute call 347.252.6150

One policy

Start with the policy you are least sure about.

What you get: A short review of that policy: the finding with the most at stake, told with the page it rests on, three decisions, what is already working, and what we would need to see next.
Why: The quickest way to see how we read a policy, on one you already have doubts about.
What to send: The full policy as a PDF: the declarations and every form and endorsement attached to it.

Four pages from a sample review. Want to see the whole document? We'll walk you through it on a call.

Choose this review

Whole program

Every policy you carry, read together.

What you get: Everything in the one-policy review across your whole program, plus what only shows when policies are read side by side: whether each excess layer truly sits over the policies beneath it, whether two policies on one line cover similar property on the same terms, and whether every company you own is named where it needs to be. You also get a table of every company and every policy it is named on.
Why: The largest gaps usually sit between policies, where no single policy shows them.
What to send: Every current policy: package or general liability, property, auto, workers' compensation, umbrella and each excess layer, and any others you carry.

Four pages from a sample review. Want to see the whole document? We'll walk you through it on a call.

Choose this review

Complete risk review

Your program against how your business actually runs.

What you get: A Risk Profile: your program line by line, what you keep and what you pay a market to take, your loss history read the way an underwriter reads it, what the public record already says about you before a carrier looks, and the decisions worth making before your next renewal.
Why: The version to take into a renewal, or to a board or lender.
What to send: Your current policies, five years of loss runs, and a short questionnaire about how you operate, which we send you.

See a sample engagementThe Risk Profile is the first document of a full engagement. Walk one through, start to finish, on an illustrative account.Choose this review

Pick one below and we'll reply with where to send the documents. Nothing uploads through this website, nobody contacts your broker, and nothing changes unless you decide it should.

Free, and nobody contacts your broker.

What to have on hand

Nothing, to send this form. After we reply you'll email the documents your review needs, listed above, and if you don't have them all to hand, getting them is the first thing we'll help with.

How we're paid

Flat annual fee — never a percentage of your premium
Broker commission disclosed on every quote, in writing
No contingency payments, overrides, or profit-sharing

“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