Your renewal went up again. Your COI got questioned at a prime. Your equipment schedule still shows 2022 values. Before you sign another renewal, let us read your program the way a compliance reviewer and an auditor will — free, confidential, and in writing within 48 hours. Your current broker is never contacted, and if what you have is good, we’ll say so.
3 quick steps — then send your dec pages when we reply, and get your written review in 48 hours
Secure & confidential. Your info is never sold to third parties.
Watch your email — we'll reply with a secure way to send your dec pages and forms schedule, and your written review lands within 48 hours of receiving them.
Need coverage faster? Call us directly at (350) 218-1055.
A renewal review isn’t a quote — it’s a read of what you already own, against how it will actually be tested.
Your GL’s Schedule of Forms against the 16 exclusions prime compliance reviews reject — Action Over, XCU, CG 21 39, CG 22 94 and the rest. Our exclusion guide shows what we’re reading for.
Schedules priced at 2021 invoices pay 2021 claims. We flag every item scheduled below current replacement — the most common finding in established-operator reviews.
Payroll in the wrong comp class, mods fed by erroneous claims data, missing payroll splits — the quiet five-figure leaks on operations with real payroll.
Radius, driver schedules, deductibles, and hired & non-owned — auto is the biggest line on most established programs and the most commonly misrated.
Coverage that exists twice, coverage that exists nowhere, and endorsements promised on certificates that aren’t on policies — the gap that only shows up at claim time.
Where each line sits against what similar fiber and underground operations are binding at right now — in writing, so you can negotiate your renewal even if you never move it to us.
Any one of these is reason enough — and every one of them is free to check.
The negotiation window is open. Sixty to ninety days out is when findings can actually change your number.
A second straight double-digit increase with no claims deserves an outside explanation — sometimes it's the market, often it's the program.
A prime's compliance platform rejected your certificate or forms schedule — find out what else they'll reject before the next work order.
More rigs, more trucks, more states, more payroll than when the program was built — growth is the most common source of silent gaps.
Charter–Cox, T-Mobile’s fiber deals, prime roll-ups — when programs consolidate, paper changes. A review ahead of re-onboarding beats corrections after.
Audit bills you didn't expect and a mod trending the wrong way are both fixable — with time. Reviews catch them while there's still time.
Four steps, 48 hours, zero obligation — and nothing changes with your current coverage unless you decide it should.
The form takes a minute. We reply with a secure way to share dec pages, your GL forms schedule, and your equipment schedule.
Forms schedule against the rejection list, values against replacement cost, class codes against the work, pricing against market.
A written review within 48 hours — findings, dollar impact, and what we’d do differently. Keep it, use it at your renewal, or hand it back to your current broker. It’s yours.
If the numbers justify a change, a Broker of Record letter moves the program without canceling anything — or we quote the renewal head-to-head and you pick.
What established contractors ask before sending their dec pages.
Yes. We review dec pages, your GL Schedule of Forms, and equipment schedules at no cost and send a written read — typically within 48 hours. If the program you have is solid and priced right, we'll tell you that too. The review is how established contractors evaluate us; it costs nothing and obligates nothing.
Three things cover 90% of it: your current declaration pages (every line), the GL Schedule of Forms and Endorsements, and your equipment schedule if you carry inland marine. If you have a recent experience mod worksheet, include it — EMR errors are one of the most common findings.
No. A review is between you and us — nothing is filed, nothing is canceled, and nobody is contacted. If you decide to move, that happens on your timeline, usually at renewal or via a Broker of Record letter you control.
A one-page letter that transfers your existing policies to a new broker without canceling coverage or changing carriers mid-term. Nothing lapses, rates don't reset, your COIs stay valid — service and the renewal negotiation simply move to the new broker. It's how established contractors switch without disruption.
Sixty to ninety days out is the sweet spot — enough time to fix findings, remarket lines that deserve it, and negotiate from strength. Inside 30 days, options narrow fast. If your renewal is further out, a review now still catches audit and certificate problems that don't wait for renewal.
The renewal review is an advisory comparison based on the documents you provide; it is not a binder, policy, or guarantee of terms. Coverage recommendations are confirmed at quoting with the carriers involved.
Free written review of your current program in 48 hours — use the form at the top of this page.
Start My Renewal ReviewSite managed by Altamira Insurance Agency. See also: California Contractor Insurance — CSLB licensing, bonds & coverage for California contractors.
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