Most business owners have never had an independent advisor walk them through their commercial insurance or employee benefits program. They do not know what to expect, what questions to ask, or how to tell whether their broker is doing a good job. This page answers all of that — before you commit to anything.
← Back to Insurance ConsultingThe first conversation is a review of what you currently have — your P&C policies, your employee benefits programs, your limits, your deductibles, and your broker relationships across both disciplines. Misty is not trying to sell you anything at this stage. She is trying to understand your business and your current program well enough to tell you the truth about it.
Most business owners come in thinking their coverage is fine. Many leave this conversation with a list of gaps they had no idea existed. Some leave confirming their program is solid — which is a win too, because certainty has real value.
Most business owners renew with the same broker year after year out of inertia — not because they have evaluated performance. The broker scorecard changes that. Misty evaluates your P&C and benefits brokers separately against a structured set of criteria across five dimensions: service delivery, market access, renewal strategy, claims or service support, and proactive risk or plan management.
This is not about finding a reason to fire your broker. Some brokers score well. When they do, that is valuable to know — and you can go back to them with the confidence that comes from having actually verified their performance rather than assumed it. When they do not score well, you have documented evidence and a clear case for going to market.
Most business owners who go to market for new P&C or benefits brokers do it wrong. They accept inbound calls from whoever reaches out, they evaluate proposals based on price alone, and they end up with a broker who won the beauty contest but cannot perform under pressure.
Misty guides the RFP and marketing process from start to finish. She helps you define what you are actually looking for, structure the RFP so it surfaces real capability rather than polished presentations, evaluate responses based on substance not salesmanship, and make a selection you can defend — to your CFO, your board, or yourself.
She is in your corner throughout. Not the broker's.
When you are ready for a broker, Misty connects you with vetted specialists from her network — matched specifically to your industry, your risk profile, and your operational complexity. She does not refer randomly. Every broker in her network has been evaluated on track record, market access, claims performance, and the kind of relationship they build with clients over time.
After placement, Misty remains available as your independent advisor. Annual review check-ins, renewal season preparation, claims advocacy guidance, and a second set of eyes on anything your broker brings you — so you always have someone in your corner who works for you, not for the commission.
He trusted that his broker was doing the job. His broker was not doing the job — not because of malice, but because no one was holding them accountable to a standard. That is what an independent advisor does. Not replace your broker. Not sell you a policy. Hold the process accountable to your interests — and fix what needs to be fixed before a claim forces you to find out what you were missing.
The initial coverage review is free and carries no obligation. After the review, if you want to proceed with a broker scorecard, RFP process, or ongoing advisory, those services are scoped and priced based on the complexity of your program. You will know the cost before you commit to anything. There are no surprises.
No. Misty is an independent consultant. She does not earn commissions on insurance placements. Her fee is paid directly by you for her advisory work. This is the entire basis of the value she provides — her recommendations are not influenced by what benefits her financially. When she tells you your broker is doing a good job, she is telling you because it is true, not because there is nothing in it for her to say otherwise.
The initial coverage review is confidential. Your broker does not know it is happening unless you tell them. If the broker scorecard comes back strong and you decide to stay with them, they never need to know this process occurred. If the scorecard reveals problems, you will have documented evidence and a clear framework for either raising those issues directly with your broker or proceeding to RFP — both of which are legitimate business decisions that any professional broker should respect.
It depends on what we find. A coverage review and broker scorecard can be completed in 2–3 weeks. A full RFP process typically takes 6–8 weeks. If your renewal is in 60 days, there is enough time to complete a coverage review and broker scorecard and make an informed decision about whether to proceed with the current broker under modified terms, extend the renewal date, or initiate an expedited RFP. The worst thing to do is sign a renewal without having looked at it. Contact us as soon as possible and we will tell you exactly what is realistic for your timeline.
A good relationship is valuable. It is not the same as a good program. The nicest broker in the world can still be underinsuring you, underperforming on claims, or not going to market aggressively enough at renewal. This process is not about the relationship. It is about the program. If your broker is doing a great job, the scorecard will confirm it — and you will have that confidence based on evidence rather than assumption. That is worth something.
Misty works with commercial business owners across industries — with particular depth in manufacturing, contracting, construction, distribution, logistics, and professional services. If you own a business and carry commercial property and casualty coverage and employee benefits programs, the process is relevant to you regardless of your specific industry. The initial review will tell us quickly whether your program has the complexity that warrants a full advisory engagement.
The coverage review is free. The conversation is confidential. You will walk away knowing exactly where you stand — and what, if anything, needs to change before something forces you to find out the hard way.
Most people who start this process wish they had started it sooner. The ones who wait are usually the ones who find out what they were missing in the middle of a claim.
Tell us about your business and we'll schedule a time.
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