Most business owners assume their broker is doing a great job — until a claim gets denied, a renewal comes in 30% higher, or they realize they've been underinsured for years. Misty Carson helps business owners find out the truth before it costs them everything. Independent consulting across P&C and employee benefits. Trusted broker connections. Strategic RFP guidance. No conflict of interest.
Most business owners have no idea whether their commercial insurance broker or their employee benefits broker is actually doing a good job. They get a renewal. They sign it. They assume someone is watching out for them. Often, no one is.
Misty Carson is an independent commercial insurance consultant. She does not sell policies. She does not earn commissions on what you buy. That means when she tells you your coverage has gaps, your broker is underperforming, or it is time to go to RFP — you can trust that she is telling you the truth.
She evaluates your current program, scores your broker's efficacy and efficiency, helps you understand what you actually have, and — when it is time to go to market — guides the RFP and marketing process so you get the right broker, not just the cheapest bid.
Manufacturing operations carry complex exposures that generic brokers routinely underinsure. Misty reviews your current program, identifies the gaps, and helps you find a specialist broker who actually understands your risk.
Contracting risk is among the most complex in commercial insurance — and the most frequently mishandled. Misty evaluates whether your current broker is equipped for it and helps you find one who is if they are not.
Distribution risk moves with your product — and most brokers miss pieces of it. Misty reviews your full exposure picture and makes sure whoever is placing your coverage actually understands the distribution chain.
Growing businesses almost always outgrow their coverage without realizing it. Misty provides annual advisory reviews to make sure your program keeps pace — and flags when it is time to go to market for a better fit.
Professional services firms carry specialized liability risks that generalist brokers routinely underprice or undercovere. Misty evaluates whether your current program is built for your actual exposure — and connects you with specialists when it is not.
If your business offers health, dental, vision, life, or disability benefits to employees — your benefits broker relationship deserves the same independent review as your P&C program. Most business owners have never had anyone evaluate whether their benefits broker is performing.
Bodily injury, property damage, personal injury, and advertising injury. The foundation of any commercial program.
Buildings, contents, equipment, and inventory — covered against fire, theft, weather, and more.
Lost income and extra expenses when a covered loss shuts down your operations — even temporarily.
Owned, hired, and non-owned vehicle coverage for businesses that put employees or vehicles on the road.
Florida-compliant workers' comp coverage that protects your employees and shields your business from liability.
Additional limits above your primary policies — essential for businesses with significant asset exposure.
Errors and omissions coverage for businesses that provide professional advice, services, or expertise.
Data breach, ransomware, and cyber incident coverage — increasingly essential for any business that handles client data.
Health, dental, vision, life, and disability programs — broker performance review, plan design analysis, and RFP process guidance.
Self-funded vs. fully insured analysis, carrier evaluation, renewal strategy — is your benefits broker going to market or just renewing?
Life, disability, accident, critical illness, and supplemental programs — are your employees actually protected, or just enrolled?
ACA compliance, ERISA obligations, and reporting requirements — is your benefits broker keeping you compliant or leaving you exposed?
Employee Benefits consulting delivered in partnership with a dedicated EB specialist practice.
Commercial insurance is not a side project for Misty. It is the career she built before she built everything else — the skill that paid her way through a Master's degree, funded her philanthropic work, and taught her everything she knows about earning trust under pressure.
Misty is a dual-licensed independent consultant in both commercial P&C and employee benefits — which means she works for you across both disciplines, not for a carrier or a brokerage. She places no policies and earns no carrier commissions. When broker partners pay a referral fee, it is disclosed upfront. What she has is 15+ years of commercial insurance and employee benefits expertise, a trusted network of specialist brokers across industries, and the ability to help you evaluate what you have, score your broker's performance, and navigate a market process without getting taken advantage of.
When you need a broker referral, she connects you with vetted specialists who fit your industry and risk profile — and she stays involved to make sure the relationship is performing.
Manufacturing, contracting, and distribution are specialties — not sectors she dabbles in. She understands the operational realities that drive your risk.
Years of high-stakes sales built the ability to listen differently — to hear what a business owner is not saying and identify the exposures they haven't thought to ask about.
Trust Velocity is one of her Warrior Credentials for a reason. Business owners don't have time for a slow relationship. She earns it fast and keeps it.
Before renewal. During a claim. When you have a question at 5pm on a Friday. Reliability is not a sales pitch for Misty — it's a credential she has earned through years of proving it.
When you need to go to market, Misty connects you with specialist brokers she trusts — matched to your industry and risk profile. She does not refer randomly. She refers based on fit, capability, and track record.
Misty reviews your current P&C coverage and employee benefits programs with no agenda. What you have, what is missing across both disciplines, and whether your brokers are earning your business.
She scores your P&C and benefits brokers separately across five dimensions — service delivery, market access, renewal strategy, claims support, and proactive risk or plan management.
If it is time to go to market, Misty guides the RFP and marketing process — what to ask, how to evaluate responses, and how to select a broker based on capability, not just price.
When you are ready, Misty connects you with a vetted broker from her specialist network — matched to your industry and risk profile — and stays available as your ongoing advisory resource.
Want the full breakdown — including a real scenario and FAQs?
See the Full ProcessThe review is free. The conversation is confidential. You will walk away knowing exactly where you stand — what your coverage actually looks like, how your broker is performing, and whether it is time to go to market.
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