Commercial Insurance Broker

Our Insurance Procurement Process

As a business owner, you understand that clearly established practices are vital to success, but the process of securing insurance for your company can be anything but transparent. Despite using the same customer service approach for decades, some insurance companies fail to customize or clarify the process, leaving business owners confused and companies exposed to risk due to inadequate coverage. Our Houston insurance brokers, however, aim to provide you with a different experience: one that is designed to be clear, efficient, and effective. This seamless process is outlined below.

What to Expect When Working with Our Houston Insurance Brokers

When you choose Outsourced Risk Managers, you’re choosing all-in-one advocates who have our process down to a science. 

Step 1: Initial Call

We speak with you regarding your needs and develop a plan to meet them, then explain the process should we decide to move forward.

Step 2: Review Your Existing Insurance Policies

We take the time to carefully review your existing insurance policies and determine ways it can better protect your company, as well as ways to lower premiums. We take the time to read your insurance policy for you with an expert eye in order to provide out expert advice.

Step 3: After Reading Your Insurance Policy For You

Upon reviewing your policy, we’ll present our recommendations to you via a detailed and thorough due diligence report, which includes the following:

  • Insurance claims stress test: if you were to file a claim, would it be paid? What aspect of your coverage needs to be amended to ensure all claims would be paid?
  • Assess the status quo and identify your company’s risks 
  • Customize your policies to meet the needs of your company
  • Identify opportunities to restructure your policies to ensure all aspects of your company are protected
  • Reveal existing gaps or duplications in coverage 
  • Identify potentially necessary updates, coverage and deductibles

Step 4: Client Onboarding

When you’re ready to trust our experts to advocate for the success of your company, we’ll draft a Broker of Record letter and develop a plan that is tailored to your company’s best interests.

Step 5: Aggressive Renewal Management

Tired of last minute renewal meetings? No one works harder to secure a custom, comprehensive insurance policy than our Houston insurance brokers. We aggressively pursue your policy renewal 150 days earlier than required, as it is disadvantageous to do so at the last minute. We’ll deliver the final terms 10-15 days prior to your renewal date.

Entrust Our All-in-One Advocates for Your Company Insurance Needs

Securing insurance for your company can be significantly challenging unless you fully understand industry practices. Fortunately, we’re experts in the field who use our knowledge to advocate for the interests and protection of your company. Call us today to learn more about our available services: consultation, risk management, captive insurance, and insurance brokerage. We look forward to advocating for the success of your company and keeping it safe.

We Read Your Insurance Policies For You

Don't Hire Just A Broker, Hire A Risk Manager

Outsourced Risk Managers is wholeheartedly dedicated to helping you protect your company and advocating for it in the face of larger insurance corporations that may otherwise try to offer less than you deserve. Rest assured that, as your risk management team, we always strive to give you better coverage, better pricing, more service, and better resources.

Our Houston-based insurance brokerage focuses on hard-to-place, risky, middle market companies. Outsourced Risk Managers levels the playing field, leverages our resources, and assists you from a place of sincerity. Our goal is to give you better coverage, better pricing, better service, and more resources as your risk managers. We look forward to helping protect your company.