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Is a Captive Right for Your Business?
Explore how joining a captive can help you control costs, stabilize premiums, and turn strong safety performance into financial reward.
We start by uncovering potential risks and strengthening your operations to reduce the chance of loss before it happens.
When issues arise, we help minimize impact through proven strategies that keep your business running smoothly.
Finally, we design coverage that protects what remains, aligning your policy with a foundation of prevention and control.
The Situation
Four Policies. Four Renewals. No One Looking at the Whole.
The new CFO of a family-owned building products supplier asked a simple question in her first week and could not get a clean answer: which agent handles what. Property and auto sat with one agency, workers' comp with another, and the umbrella had followed a retired owner's longtime friend. Four renewals, four conversations, nobody looking at the whole.
The Prevent365 Approach
Look at Coverage the Way the Business Actually Operates
Gaps rarely show up inside a single policy. Putting all four programs on one page was the first thing an Insurance Policy Review did, and the mismatches surfaced immediately. Two branches carried property limits set before their last expansions. The umbrella sat over an underlying auto limit it no longer matched. A Policy Review on the contracts side found the supplier signing customer delivery agreements that assumed liability its general liability form was never built to answer for.
The Outcome
Keep Coverage Aligned as the Business Changes
The program now runs on one calendar, with a review ahead of it rather than a quote in response to it. Coverage decisions get made against how the business operates today. Underwriters see one coordinated submission instead of four unrelated ones, and the supplier knows where its coverage stops before a customer contract finds out first.See how Prevent365 coordinates a program across the whole year.
Illustrative scenario based on common Business Insurance exposures. Not a description of an actual client engagement. Results vary by operation, loss history, and market conditions.
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