years reading risk
policies audited
in coverage gaps found
client segments served
I don't sell peace of mind. I sell the math that makes peace of mind possible.
Marcus and Priya were forty-eight hours from closing on their first home in Naperville when their lender flagged a gap in their dwelling coverage — the rebuild estimate was $220,000 short of what it would actually cost to reconstruct that particular house with its custom trim and non-standard ceiling height. Their previous agent had used a zip-code average. I used a replacement cost estimator. The difference was a phone call and a line item. They closed on time. The policy was right.
— First-time homebuyers, Naperville, IL
A general liability audit isn't paperwork. It's the moment you find out if your business actually exists on paper.
David runs a three-crew landscaping operation in Scottsdale. His workers' comp renewal came in 18% higher than the prior year with no explanation. When I audited the payroll classification codes, I found that two of his workers had been misclassified as "general laborers" instead of "landscape maintenance" — a code difference that was costing him $4,200 a year. We corrected the classifications, filed the audit response, and had a refund check in six weeks. His premium dropped. His paperwork was right.
— Small business owner, Scottsdale, AZ
Medicare supplements are not interchangeable. Neither are the people who need them.
Eleanor had a Plan F supplement she'd held for nine years. When her carrier sent a rate increase notice, her daughter called me in a panic. We sat at Eleanor's kitchen table with the denial letters, the explanation of benefits, and a yellow highlighter. Plan G covered everything Plan F covered except the Part B deductible — a $240 annual difference that was costing her $1,140 more per year in premiums. We switched carriers, kept her doctors, and got her $900 back. The fine print, once you read it, is not fine at all.
— Retired educator, Columbus, OH
Coverage gaps found.
Closed before they opened.
Three client situations. Three policies that were technically valid but practically wrong. Here's what the audit found — and what it cost before versus after.
Young couple, first home · Austin, TX
The Gap
Dwelling coverage set at purchase price — not replacement cost. The policy would have paid out $310,000 on a house that would cost $487,000 to rebuild after a total loss.
The Fix
Ran a full replacement cost estimator accounting for custom finishes, regional labor rates, and debris removal. Adjusted dwelling limit and added extended replacement cost endorsement.
Electrical contractor · Denver, CO
The Gap
General liability policy excluded "completed operations" — meaning any claim arising after the job was finished was uncovered. For an electrician, that's where most claims originate.
The Fix
Added completed operations coverage with a three-year tail. Cross-checked against the contractor's license bond requirements and updated the certificate of insurance language for commercial clients.
Retired couple · Portland, OR
The Gap
Enrolled in two different supplement plans — husband on Plan N, wife on Plan G — paying separate premiums to two different carriers with different rate histories. Neither plan matched their actual utilization.
The Fix
Consolidated both to Plan G with a single carrier using a preferred rate tier. Matched formulary to their prescriptions before switching. Combined premium savings applied to a dental rider they'd been putting off.
The Coverage Audit Checklist.
A six-page PDF that walks you through your own policies the way I walk through them — clause by clause, number by number. Most people find at least one gap in the first twenty minutes. Some find several.
- Dwelling replacement cost vs. market value gap
- Business interruption coverage duration check
- Workers' comp classification audit
- Medicare supplement utilization match
- Umbrella liability threshold analysis
- Life insurance income replacement ratio
Download your copy
No pitch. No follow-up sequence. Just the checklist.
Book a 15-Minute Policy Review.
Fifteen minutes. No pitch. You bring one policy — home, business, or Medicare — and I tell you what I see. If there's nothing to fix, I'll tell you that too.
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What would you like reviewed?
You'll receive a calendar invite with a secure video link.