Recent placement projects
Projects highlight how we assemble coverage when risks do not fit a single template. Names are anonymized; industries and limits reflect real engagements across life, home, auto, health, and business lines.
Multi-location bakery expansion
A regional bakery added two production kitchens and six delivery vans. We layered property schedules for ovens and refrigeration, increased business income limits for supply chain delays, and placed commercial auto with uniform $1M liability. Certificates updated for mall landlords within 24 hours of binding.
Coastal home retrofit
After a roof upgrade and hurricane shutters, the homeowners needed dwelling limits aligned to a new rebuild estimate. We moved the policy to replacement cost, added water backup endorsement, and secured a wind deductible buy-down where available. Premium changed from $142 to $168 monthly with clearer storm coverage.
Young family life ladder
Expecting parents layered term life on both incomes, added child term riders, and paired policies with short-term disability through group health. The project included beneficiary updates and trust naming instructions reviewed by their estate attorney.
Fleet telematics rollout
A courier service installed telematics across eighteen vans. We mapped driver scoring to carrier discount programs, adjusted hired/non-owned coverage for gig drivers, and set up monthly reporting so unsafe trends triggered coaching before losses occurred.
How projects start
Each engagement begins with a discovery worksheet covering assets, revenue, people, and prior claims. We identify gaps such as uninsured subcontractors, underinsured dwelling limits, or health networks that exclude key specialists. Deliverables include a coverage map, premium scenarios, and implementation timeline.
Request a project consult through the contact desk if you are renovating, acquiring a business, or merging household policies after marriage or divorce.
Health plan redesign for growing employer
A design studio doubled headcount in eighteen months. We rebid medical plans with tiered network options, introduced a health savings compatible plan for higher earners, and kept a rich PPO for staff with chronic conditions. Contribution strategy held employer costs flat while employees saw clearer out-of-pocket summaries at enrollment.
Life insurance trust alignment
Business partners funding a buy-sell agreement needed policies owned by an irrevocable trust. We coordinated face amounts with valuation updates, confirmed premium funding timelines, and documented carrier requirements for trust ownership. The project prevented a common gap where policies lapse after ownership changes.
Landlord portfolio standardization
An investor holding twelve rental units scattered limits and deductibles across legacy policies. We standardized liability at two million per location, added loss of rents coverage equal to twelve months gross, and scheduled major appliances separately. Premium rose modestly while balance sheet exposure dropped sharply.
Post-claim home rebuild oversight
After a lightning fire, adjusters initially scoped cosmetic repairs. We supplied engineer reports showing structural damage and code upgrade needs. Supplemental payments funded full kitchen rebuild and electrical panel replacement. The homeowner kept the same carrier but gained confidence that advocacy mattered.
Delivery startup compliance pack
A grocery delivery startup needed auto, general liability, and cyber coverage before a retail chain contract. We bound hired/non-owned auto, added contingent cargo limits, and issued certificates naming the retailer within the contract deadline. Telematics data later qualified the fleet for a renewal discount.