It’s important to evaluate current exposures and implement a comprehensive risk and insurance protection process and program.

The strategy seeks to address risk tolerance in areas of catastrophic loss (i.e. uninsured motorist injuries) while reducing risk costs for manageable losses (i.e. a windshield crack). If an uninsured motorist injures you, you need to have the coverage to protect you and your family. For windshield cracks, people with glass coverage tend to pay for a windshield 2-3 times before ever needing to fix or replace one. This type of holistic thinking and strategy offers broad catastrophic protection at the lowest possible premium cost.

Because of misperceptions and uninformed choices, most consumers cannot see catastrophic loss or significant gaps in coverage, and tend to focus on paying more for lower deductible limits and losses in the short term rather than increasing coverage where catastrophic loss can destroy an individual’s financial life.

By having the right strategy in place, you can actually reduce premiums and provide the lowest possible insurance cost over the long term.

But don’t just take our word for it. Daniel Kahneman, winner of the Nobel Prize in Economics, has this to say in his book "Thinking Fast and Slow" about risk management and using statistical analysis to make the best decisions possible:

“Decision makers who are prone to narrow framing construct a preference every time they face a risky choice. They would do better by having a risk policy that they routinely apply whenever a relevant problem arises. Familiar examples of risk policies are ‘always take the highest possible deductible when purchasing insurance’ and ‘never buy extended warranties.’ A risk policy is a broad frame. In the insurance examples, you expect the occasional loss of the entire deductible, or the occasional failure of an uninsured product. The relevant issue is your ability to reduce or eliminate the pain of the occasional loss by the thought that the policy that left you exposed to it will most certainly be financially advantageous over the long run.”

Insurance Programs


In our opinion, if you just maintain one product through one source, you don’t have insurance protection -- you have risk. A sound insurance program requires one trusted insurer to write a broad-based group of products or the minimum products required to maintain complete insurance protection.

Pricing Comparison


Consumer insurance costs are a function of several factors including the sum of all required products, their discounts, efficiency in service from one source and, most important, the language in insurance agreements stating what will and will not be covered under a claim.

Value of Products


Many people, thinking in terms of “apples to apples” quotes, price shop their insurance policies using the limits provided on the declaration page of their policies, often never considering the true differences in language outlining protection between and within insurance agreements.