An insurance brokerage boasting that they have access to all of the “top insurance carriers” while touting the greatness of their service team is like a hotel promoting they have clean sheets, a bed to sleep in, and individual bathrooms for customer use. Providing quality customer service and holding strong relationships with the insurance marketplace is the standard, not the exception.

At Keystone Risk Strategies we go beyond the standard. We believe that our customers shouldn’t fall victim to the ebbs and flows of the insurance marketplace. By helping our clients incorporate a proactive strategy to mitigate risk, one that can be presented and verified to insurance company underwriters, not only can we help our clients lower the likelihood of a loss, we can maximize insurance carrier discounts that can result in lower insurance premiums. These two factors alone contribute to a lower cost of insurance for our clients and increase the profitability for our partner carriers. More importantly, a proactive strategy gives power back to the businessowner who no longer has to anxiously wait for an insurance renewal with unreasonable rate increases due to “market trends”.

A truly professional insurance broker is more than just a conduit to the insurance marketplace who “shops around” for the insurance company with the lowest current rate. Rather, they’re an advocate willing to focus on improving how businesses are perceived by insurance company underwriters. Once a businesses has its improved its risk profile, a worthwhile insurance broker can create an environment where insurance company underwriters start negotiating against one another to win their business. Stop being a victim.

Keystone Risk Strategies Timeline of Services Offered to Clientele

15 days post effective date - Broker to confirm onboarding details with Insured to confirm well ordered renewal.

90 days post effective date - Broker and Insured to discuss update exposures

180 days post effective date - Broker and Insured to discuss updated exposures (sales, payroll, property).

100 days from renewal - Broker and Insured to complete renewal application

90 day from renewal - Broker to trigger remarketing efforts for upcoming renewal.

45 days from renewal - Broker and Insured to review renewal marketing efforts.

30 days from renewal - Insured to finalize renewal decision.

14 months post prior policy effective date - Broker and Insured to conduct workers comp and general liability audit.