Certificate & Vendor Compliance
- Review incoming COIs
- Verify limits & coverage
- Verify Additional Insured
- Verify Waiver of Subrogation
- Review Primary & Non-Contributory wording
- Identify missing coverage
- Help reduce vendor-related liability
Home/Risk Advisory
Our signature service
Florida PremierRisk Advisory™
Become an Extension of Your Team
Insurance doesn’t end when the policy is issued. Contracts change. Vendors come and go. Your business grows. We provide ongoing advisory services to help ensure your insurance program continues protecting your business—every step of the way.
The program
Our Four Pillars of Protection
Four areas of ongoing work that continue long after a policy is issued — and that most businesses only discover they needed when a certificate is rejected or a claim is denied.
Contract Risk Transfer
- Identify insurance requirements in contracts
- Additional Insured
- Waiver of Subrogation
- Hold Harmless
- Primary & Non-Contributory
- Contractual Liability
We coordinate with your legal counsel & insurance carriers to support compliance.
Insurance Program Management
- Annual exposure review
- Sales verification
- Payroll verification
- Property value review
- Equipment & operations updates
- Coverage gap analysis
- Renewal strategy
- Underwriting preparation
Dedicated Commercial Advisor
- One call for answers
- Guidance as your business grows
- Additional locations, new operations, new contracts
- Claims advocacy
- Ongoing risk management support
Stronger Coverage. Smarter Risk Management. A True Partner in Your Success.
Florida Premier Risk Advisory
How it works
Five steps, running year round.
This is not an annual event. The point of the program is that steps four and five never stop.
Understand Your Business
We learn your operations, goals & risk exposures.
Verify & Review Information
We review documents, COIs, contracts & existing coverage.
Deliver Tailored Solutions
We structure the right coverage & risk transfer strategies.
Ongoing Advisory Support
We stay involved, answer questions & help manage changes.
Protect & Advocate Year Round
We advocate for you & help ensure you’re always properly protected.
Advisory plans
Choose the level of support that fits your business.
Three levels of ongoing advisory support. The right one depends on how many contracts you sign, how many vendors you manage, and how quickly you are growing.
Essential
For businesses with straightforward needs.
- Annual insurance review
- Standard policy service
- Limited COI guidance
- General advisory support
Investment
$75–$150 / month
Plan details & enrollment
Professional
For businesses using vendors or subcontractors.
- COI review & verification
- Contract insurance review
- Renewal strategy & underwriting
- Ongoing advisory support
- Email & phone consultation
Investment
$250–$500 / month
Plan details & enrollment
Enterprise
For growing organizations with complex operations.
- Unlimited advisory support
- COI & vendor compliance monitoring
- Quarterly strategy meetings
- Executive renewal planning
- Claims advocacy
- Program stewardship
Investment
$750+ / month
Plan details & enrollment
Need us to review a Certificate of Insurance?
Upload it securely and our Commercial Advisory Team will review it for compliance with your insurance requirements.
- Fast Turnaround
- Detailed Review
- Compliance Confidence
- Peace of Mind
FAQ
Questions about the program.
How is this different from what a normal agency does?
Most agencies are transactional: they place the policy, issue certificates on request, and reappear at renewal. Risk Advisory makes the work between those moments deliberate — certificates reviewed rather than filed, contracts read before they are signed, exposures updated as the business changes.
Do I need to move my insurance to Florida Premier first?
Start with a consultation. We will look at your current program and the contracts you are working under, and tell you plainly what the advisory work would involve for a business like yours.
What does "become an extension of your team" mean in practice?
It means one named advisor who already knows your contracts, your vendors, and your renewal calendar — so questions get answered from context rather than from a file that has to be pulled first.
We already have a broker. Can you review incoming COIs anyway?
Yes. Certificate review is the most common single entry point. Send one through the document review page and we will check it against the requirements it is meant to satisfy.
Does the advisory work replace legal advice?
No. We review insurance requirements and confirm whether your program satisfies them. On contract language itself we coordinate with your legal counsel and your carriers — we do not act as your attorney.
How does this relate to your 13 advisory capabilities?
Those 13 capabilities are what we do on any placement. Risk Advisory is the program that makes the ongoing ones — certificates, contracts, exposure updates, renewal preparation — a continuous engagement rather than something that happens when you ask.
Stronger Coverage. Smarter Risk Management. A True Partner in Your Success.
Become an extension of your team.
A consultation costs nothing and carries no obligation. We will look at your contracts, your vendors, and your current program, and tell you plainly which level of support — if any — your business actually needs.
“The Best at Getting Better.”
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