Someone wants the program reviewed
Your lender, board or buyer wants to see the insurance program. Here's what they're actually asking for — and how to hand it over without scrambling.
A credit agreement, a board resolution, an acquisition, a private-equity process — someone with leverage has asked what the program covers and whether it's adequate. The binder is not an answer. They want a written position, and they want it by a date you didn't choose.
Before the deadline, three moves
Answer the question they asked, in writing.
In this order. The first is the requester's document, not yours; the second is the work; the third is the only form of answer a lender or a board actually reads.
Now — get the actual requirement in writing, not a summary of it.
This week — map the program against it, line by line.
Before the deadline — hand over a position, not a pile.
The part nobody explains
What most companies don't know
The request is rarely about the insurance. It is about whether the people running the company can account for their exposures — the program stands in for management. A clean, fast, written answer says something about the business that the coverage itself does not, and a scramble says the opposite.
Certificates are not evidence. A certificate of insurance shows that a policy existed on a date; it says nothing about whether that policy reaches the exposures the requester cares about. The broker produces certificates because certificates are what they have. The requester wants a reading, and a reading is not the broker's job.
Diligence surfaces gaps at the worst possible time — under a deadline, in front of someone with leverage. The same review done on your own timeline finds the same gaps with time to close them. A program with a current written baseline turns a diligence request into a forwarding exercise.
What actually happens
Here's what happens when the request gets a real answer
The requirement gets read against the program, line by line.
Against the forms and the limits that answer each clause — not against the certificates.
You get a written position: met, gap, and what's being done.
In the requester's language, on the requester's timeline.
The next request is a forwarding exercise.
Because the baseline exists, is current, and is already written for someone who doesn't buy insurance.
Looking costs you nothing, and nobody finds out.
We work only from documents you already have. Your broker and your carriers are never contacted, and the analysis is free — the fee, when there is one, is a flat fee quoted plainly in the first conversation.
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.
Someone with leverage asked a question you can't yet answer in writing.
Bring the request to a 15-minute review: what it is actually asking, where the program meets it, where it doesn't, and what to hand over by the date.
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