Policy, Premium and Layered Program Review
Insurance commitments affect the case’s available cash.
A business can carry unnecessary cost in one area and remain exposed in another.
We test limits, valuations, scheduled property, payroll, sales, classifications and policy overlap against current operations and lender, contractual and legal requirements. We connect premiums, finance charges, minimum-earned amounts, retentions, audit adjustments and restricted collateral with the cash forecast.
Layered programs also require review of attachment, exhaustion, notice and underlying-policy conditions. Lower premiums can bring higher retained risk or weaker terms; recommendations make those tradeoffs visible.
Before reducing or replacing coverage, address prior acts, reporting and discovery periods, known circumstances, cancellation costs and continuity.
Useful starting records
Full primary and excess program, finance agreements, outstanding claims, reserves and a current cash forecast.
Refunds and savings depend on the actual terms and facts.