Your renewal came in high
Your renewal came in 20, 30, 40% higher. Here's what it means — and what to do in the next 21 days.
Carriers will tell you it's “the market.” The market affects everyone — but not equally. The question is whether your account was actually presented, negotiated, and scored, or just re-quoted.
Three weeks, three moves
What to do with the time you have.
In this order. The first two are document requests you're entitled to make without explaining why; the third costs nothing and commits you to nothing.
Now — ask your broker for last year's full market submission.
This week — request currently valued loss runs.
Before you bind — get an independent analysis.
The part nobody explains
What most buyers don't know
A 30% increase from your incumbent isn't necessarily what the market would charge you — it's what one broker decided to present, usually optimized for their own carrier relationships and renewal throughput, not your account specifically.
A real market event assigns specific carriers to specific brokers before any contact is made, so each carrier approaches your account exactly once, by the relationship best positioned to reach it. No duplicate submissions, no carrier knowing it's being compared — that's how you find out what the market actually thinks of your account.
If the increase holds up after a real process, you'll know it's real — and you'll have the documentation to defend it to your board. If it doesn't, you'll capture savings that were always available — they just required someone to go look.
What actually happens
Here's what happens when you start a real process
You begin a real renewal process.
Blueprint first. Market allocated. Every quote scored the same way.
Your broker suddenly finds room.
A sharper number appears. A free coverage review is offered. Urgency arrives that wasn't there before.
Good. That's the process working.
Ask yourself one question: what was stopping them last year?
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.
You have a renewal date and a number you can't defend yet.
Bring the quote you're holding to a 15-minute review: what it's actually priced on, whether the account was ever taken to market, and what's still worth doing before you bind.
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