Coverage review
Bring the policy you have.
A coverage review isn't a quote. It's a reading of the policy you're relying on, against the work you're doing now. Some reviews end with a recommendation. Many end with peace of mind: the policy is doing its job.
The work
Four things get compared.
The gap is what falls between them.The work you do now
Trades, project types, average and largest job, who works for you, who works alongside you, what you own, where you drive.
What the policy says
Classification, limits, deductibles, endorsements, exclusions, and the sections most contractors haven't had a reason to open.
What your contracts require
Additional insured language, primary and non-contributory, waivers, completed operations, notice provisions. The requirements you've already agreed to.
What happens if it goes wrong
For each gap: an explanation, the scenario that surfaces it, and the economic consequence when it does.
What you receive
A written finding.
Yours to keep, regardless of next steps.
Each gap is named in plain language, with three parts: what the policy says now, when that becomes a problem, and what it costs.
If nothing meaningful turns up, the finding says that. A review that manufactures a gap to justify a quote is worth nothing.
The finding is useful on its own, including to the agency you already have.
What the policy says now
The general liability form carries a subcontracted work exclusion. Work performed on your behalf by others is outside the grant of coverage as written.
Where that becomes a problem
You subcontracted the roof scope on two of the last five jobs. If a defect claim traces to that scope, the policy responds to your work and not to theirs, and their certificate has expired.
What it costs
Defense costs on a construction defect claim in Arizona are routinely six figures before the merits are reached. The exposure here is the defense, ahead of any indemnity question.
What can be done
Three options, in order of cost: collect and monitor certificates to a defined standard, add subcontracted work back by endorsement where the carrier permits, or move the account to a form that contemplates the work you are doing. Carrier appetite determines which are available.
Specimen only. Illustrative language, not a coverage determination.
The mechanics
No cost, just 20 minutes and your declaration pages.
Send your current declaration pages, contract requirements, and a brief description of the company and the project. From there, we'll do the rest, usually in just a couple of days.
The boundary
Three things this review will not do.
It will not tell you a claim would be covered. Coverage is determined by the carrier, the policy form, and the facts of the loss. A review reads the document. It does not adjudicate anything.
It will not promise a premium. Pricing is a carrier decision, made against underwriting that has not happened yet.
It will not guarantee placement. Some risks are hard to place in Arizona right now. When yours is one of them, that is the finding, and you will get it straight.
Start the review
Choose how you want to begin.
Received.
Max Frey will reach out within one business day.
If you have your declarations pages, reply to his message with them attached whenever it is convenient. The review does not start until they arrive, and there is no rush on our side.
Nothing here binds coverage. Submitting this does not create an agency relationship or an obligation on either side.