Research and Development

We are committed to conducting extensive research and development to provide the best insurance solutions for our clients. Our goal is to constantly innovate and improve our services and the insurance industry to meet the ever-changing needs of our clients.

We run our own analytics

We quote and underwrite each client individually with each insurance carrier that we offer. We never use a comparative rater that misses out on potential discounts and does not allow us to underwrite ourselves, which causes to generally be inaccurate and higher than they are supposed to be. This allows us to track how competitive each insurance carrier is, so we have a realistic understanding of the cost to value. When we quote potential clients who are coming from an insurance carrier that we do not offer we ask for prior premium so we can compare other carriers with ones we offer so we can understand how competitive we are in the marketplace. This allows us to monitor trends with our current carriers and allows us to identify gaps that may require us to contract with new carriers.

We perform our own research

We talk to industry experts, monitor changes in state legislation, and review creditable industry news articles to monitor and forecast industry trends. We take best practices to grow and lead through change. Having this knowledge helps us make better decisions, provide better professional guidance, and offer valuable products to our clients. This research allows us to forecast potential issues that we can create a contingency plan for should the roadblocks come to pass. We constantly strive to change the industry for the better, but this wouldn’t be possible without understanding the foundation of operations.