Anyone can have a tagline.
Ours is Partnership Redefined. What follows is the process that has to hold it up — starting with the part most firms get backwards, which is when they show up at all.
You tell us what you’re looking for. You tell us when you need us. Then we sit down as a team and work out the rest.
Everyone in this business shows up on their own schedule.
Here is the year leading up to your renewal, and when each kind of firm wants to talk to you.
A traditional insurance agency
Calls you 60 to 90 days before renewal to bid your insurance. It wants to sell you a product, so it arrives when there is a product to sell.
A risk management firm
Tells you it needs 9 to 10 months of runway before it can engage, because the runway is where the audit goes.
Florida Risk Partners
Whenever it is genuinely useful to you. We know what makes sense at each point in the cycle, but you set the timing — not our sales calendar.
The bid and the audit.
Market the account, bring back a price.
An agency sells products, so it appears two months before renewal, shops your account to carriers and returns with a number. Nothing about how your business actually operates has changed — you just paid a different amount for the same risk.
Months under the covers, then a verdict.
A risk management firm has to justify its existence, so it spends months digging — not far off an OSHA audit — and then books your own conference room to tell you how bad you are, measured against its own narrow experience.
We would rather solve the problem, with you leading.
We are not going to tell you how it needs to be done, because every company is different. We will jointly agree on the best way to maximize efficiency while bringing down your Total Cost of Risk.
We have sat on your side of the table.
The process was not designed in a classroom. It came out of what our team has actually done — all of it, not some of it.
Total P&L responsibility
Every one of us has carried a full profit and loss number for a company or business unit outside insurance and risk management.
Inside a traditional agency
We have all worked the agency side, so we know exactly what the renewal cycle looks like from behind a producer’s desk.
Inside risk management firms
We have all worked for and with risk-focused firms, which is how we know which parts of that discipline actually move the number and which parts are theatre.
Ownership
We have all owned a piece of what we ran. Making payroll on a Friday concentrates the mind in a way consulting never does.
That is why this reads like an operator’s point of view rather than an outside consultant’s.
Tell us when you need us.
Not 90 days before renewal because that suits us, and not ten months out because a methodology says so. Tell us what you are working on and when it matters, and we will work out the rest together.