Risk Rocket 365 — the MetRisk Services renewal method
Here's exactly what you're signing up for.
Risk Rocket 365 is the method MetRisk Services runs your program through: six stages, the same way every time, so nothing depends on who remembered to ask. It opens with a free program analysis — before any broker is contacted — and doesn't end at the bind. Each stage below says what it produces, who does the work, and what it costs you in time.
Most buyers have no way to know if their broker is doing a great job or an average one — there's no mechanism that forces an honest check. That's what this process is: an independent verification layer, not a replacement for having a broker.
The split that makes the rest work
If you've ever built a house, you already understand this.
You don't hand a builder a blank check and hope. You sit with an architect first — square footage, materials, how the land grades, a hundred decisions that are genuinely yours to make. The architect takes all of it and produces one master document. That document goes out to six general contractors, and they bid against the same spec.
Insurance is bought the other way around. The standard version is “here's my current policy, here are my losses, get me a quote” — the bid goes out before anyone has decided what's actually being asked for. Whatever the market sends back becomes the definition of what you needed.
So we split it in two. The Risk Profile is the sit-down with the architect: what you do, how you make money, where you're actually exposed. The Coverage Blueprint is the bid package: the written spec of what carriers are being asked to quote, finished and signed off before a single one of them sees your account.
You need both, and in that order. A bid package written before anyone understood the building is just a guess with a letterhead.
The examples throughout this walkthrough use Meridian Construction Partners, an illustrative sample account, to show how the process works.
Assess & Build Risk Profile
Understand the risk before designing the coverage.
An architect listens before drawing. Before we touch a policy, we map your actual exposures — what you do and how, your contractual obligations, your claims history, and the risks you've self-insured by accident versus by design. The Blueprint can only be as good as this intake, and it's the step most broker relationships skip entirely.
This is also where you make the calls that belong to you, not a broker: what to retain, what to transfer, what to manage through contract — not every exposure belongs in a policy. Those decisions are documented before any carrier sees your account, so the coverage is designed around your actual risk, not around whatever market is easiest to place.
- Your time
- About 15 minutes on your end
- Who does it
- You upload; we do the reading
- What you do
- Send your declarations pages and loss runs, and be candid about how the business actually makes money.
- What you get
- A written gap report, findings ranked by severity — and the Risk Profile behind it: what you transfer, what you carry, and which of those was a decision.
Risk Profile — Meridian Construction Partners (Illustrative)
Private by default
- Nothing is shared with your broker or your carrier. Ever.
- No changes to your program. Looking is not switching.
- You decide who sees the findings — including whether we ever speak again.
Risk Profile — Meridian Construction Partners (Illustrative)
Private by default
- Nothing is shared with your broker or your carrier. Ever.
- No changes to your program. Looking is not switching.
- You decide who sees the findings — including whether we ever speak again.
Build the Coverage Blueprint
Define good coverage before any quote exists.
The Coverage Blueprint is a written spec — required lines, minimum limits, prohibited exclusions, contractual requirements — signed off before we go to market. The window where expectations get shaped is while the market is being shopped: what you think you need drifts toward what is easy to place. The Blueprint closes that window, so nothing moves the goalposts after the fact.
It's also what makes scoring possible: with every requirement written down in advance, every quote can be measured against the same standard — Meets, Partial, or Miss — with no subjectivity in what 'good' looks like.
- Your time
- One call, about 30 minutes
- Who does it
- You and your advisor, together
- What you do
- Make the retain-or-transfer calls, with the analysis in front of you.
- What you get
- A signed Coverage Blueprint — the written spec every quote will be measured against, live in your portal from this point on.
Coverage Blueprint — Meridian Construction Partners (Illustrative)
Coverage Blueprint — Meridian Construction Partners (Illustrative)
Run a Real Market Process
Your account marketed to carriers — not shopped around.
Most brokers shop an account: loss runs, a cover note, and hope. We market yours — the submission carries your Risk Profile, your documented loss record and its trajectory, and the disclosures an underwriter would otherwise dig for, so the account gets priced on its merits instead of defensively. Then the allocation: each carrier contacted once, by the relationship best positioned to reach it, no duplicate submissions, and the Blueprint out to every broker simultaneously as a written spec.
Why multiple brokers? A single broker — however good — still decides which of their own carrier relationships to activate, and which quote to present as best: a self-selection problem, not a competence problem. Splitting the Blueprint across brokers blind to each other, coordinated by someone with no stake in any book winning, removes that discretion — no single relationship decides what 'the market' looks like. We never place the coverage ourselves: licensed brokers do, and each carrier hears from exactly one of them.
- Your time
- Two to three weeks, almost all of it ours
- Who does it
- Advisor-led
- What you do
- Approve the market map, answer the occasional question from us, and get back to running your business.
- What you get
- Quotes back from every broker, each with its commission disclosed on the face of the document.
Market Allocation — Sarah Chen (Illustrative)
Market Allocation — Sarah Chen (Illustrative)
The analysis that starts all of this — your gap report, before any broker is contacted — is free.
Start the free program analysisScore Quotes to Blueprint
Every quote is scored against the Blueprint. Not against premium alone.
The cheapest quote is rarely the right one; neither is the most expensive. We score every quote — including the incumbent's renewal — against your Blueprint row by row: Meets, Partial, or Miss. The scoring advisor has no financial stake in any outcome — our fee is the same regardless of which option scores highest, so there's no invisible thumb on the scale.
That includes the quote your incumbent produces after learning you're running a process — often their sharpest number in years. If premium dropped because coverage quietly dropped with it, the grid shows it.
- Your time
- About a week, almost all of it ours
- Who does it
- Advisor-led
- What you do
- Read one comparison instead of five proposals.
- What you get
- A scored, side-by-side comparison of every option — including the ones we don't recommend.
Scoring preview — hover any cell
| Blueprint requirement | Incumbent | Pinnacle | Atlantic |
|---|---|---|---|
| GL $2M/$4M | Meets | Meets | Meets |
| Umbrella $10M | Miss | Meets | Meets |
| Cyber $2M | Miss | Meets | Miss |
Three of Meridian's Blueprint requirements. Every line, every carrier and the overall scores are in the sample walkthrough.
Scoring preview — hover any cell
| Blueprint requirement | Incumbent | Pinnacle | Atlantic |
|---|---|---|---|
| GL $2M/$4M | Meets | Meets | Meets |
| Umbrella $10M | Miss | Meets | Meets |
| Cyber $2M | Miss | Meets | Miss |
Three of Meridian's Blueprint requirements. Every line, every carrier and the overall scores are in the sample walkthrough.
Decide
A one-page answer you can forward to your CEO — recommendation, alternative, tradeoffs in plain English.
The Decision-Ready Summary is one clear recommendation and one honest alternative, tradeoffs stated plainly — not five options with no guidance, not the alternative buried in a footnote. Our fee is the same no matter which option you choose, so the recommendation is shaped by your Blueprint, not by which outcome pays us more. It's built to forward upward as-is: you walk into a 15-minute leadership conversation with the recommendation, the rationale, and the numbers already prepared.
Then you decide. We don't place coverage and earn nothing from the bind — whichever broker writes the business, our side of the engagement pays exactly the same.
- Your time
- One call, about 60 minutes
- Who does it
- You and your advisor, together
- What you do
- Make the call — informed, on time, on your terms. You bind with the broker of your choosing.
- What you get
- A written decision summary your CFO, board, or bank can read in ten minutes — filed in your portal beside every score.
Decision-Ready Summary (Illustrative)
Decision-Ready Summary (Illustrative)
Protect 365
We stop being a renewal vendor and become your fractional risk manager — for the life of the program, not just the renewal.
Most brokers treat bind as the finish line; we treat it as the start of the next cycle. Claims Impact Compression puts an active advocate on your loss ratio before your next full market event — flagging inflated reserves, recommending loss-control measures, documenting claim patterns. A lower loss ratio means carriers compete harder for your account in year 3 — that's how the loop closes, and why this isn't a one-time transaction.
A significant loss-ratio improvement can itself be a legitimate reason to revisit the market ahead of schedule — not just a major loss or non-renewal. The process keeps working even when nothing is broken.
- Your time
- Continuous, across the year between renewals
- Who does it
- Advisor-led
- What you do
- Report incidents when they happen — a two-minute task, not a project.
- What you get
- A documented, improving loss record that walks into every future renewal ahead of you — tracked in your portal between renewals.
Claims Impact Compression — the arc
Illustrative shape, no values. The direction is the whole point, and the only loss ratio that means anything is your own.
Claims Impact Compression — the arc
Illustrative shape, no values. The direction is the whole point, and the only loss ratio that means anything is your own.
Three years later, you're back in the market from a better position.
Lower loss ratio. Cleaner claims history. Carriers competing harder for your account. That's not a pitch — it's the math of compounding a well-run program over time.
Risk Rocket 365 is built for programs spending $500,000 a year or more on insurance — the point where a program is complex enough (multiple entities, multiple lines, real contractual obligations) that a structured review is worth running, and where the dollars at stake dwarf the fee. If that's not you yet, we'll say so.
When does your program renew?
Leave the date and we'll follow up with you 120 days before it — early enough to run a real market process, and to tell you whether this cycle or the next is the realistic one.
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