• Access to multiple insurance carriers
• Coverage comparison beyond price alone
• Risk management and loss control guidance
• Claims advocacy and support
• Contract and risk transfer expertise
• Strategic renewal planning

Tower Street is an independent insurance brokerage with access to more than 250 insurance carrier appointments, including standard, specialty, excess and surplus, and program markets. That independence matters.

If a market becomes uncompetitive, we can move. If your claims improve, your safety program strengthens, or your business grows, we can take that story directly to underwriters and create competition for your account. The more options available, the more leverage you have.

Unlike a direct writer, we are not limited to a single carrier’s products, pricing, or underwriting appetite. Our responsibility is to represent your interests and find the best fit for your business.

Clients also benefit from the same types of services often associated with large insurance companies, including safety resources, claims support, and risk management guidance, delivered by advisors who work for you rather than the carrier.

Beyond commercial property and casualty insurance, Tower Street provides integrated solutions across:

• Employee benefits
• Personal and private client insurance
• Surety bonding
• Executive life insurance
• HR consulting and compliance support

The result is a broader perspective on risk and a more strategic approach to protecting your business.

At the end of the day, an insurance policy is easy to buy. What matters is having an advocate with market access, negotiating leverage, and the expertise to help your business achieve better outcomes year after year.

While industry and size are important considerations, we place greater value on complexity and mindset. The businesses that benefit most from working with Tower Street are those that recognize insurance as part of a broader risk management strategy, not simply an annual purchase.

Whether the challenge involves claims, contracts, safety, employee benefits, fleet exposures, or carrier relationships, our role is to help clients understand their risks, strengthen their position, and reduce their total cost of risk over time.

We are not focused on being the biggest broker. We are focused on being the right partner for businesses that are serious about managing risk and protecting what they have built.

Our experience includes:

• Layered property insurance programs
• Large deductible and loss-sensitive casualty programs
• Captive and group captive insurance arrangements
• Controlled insurance programs (OCIPs and CCIPs)
• Multi-state workers’ compensation programs
• Umbrella and excess liability towers
• Professional liability and management liability coverage
• Cyber liability insurance
• International insurance programs

Complex programs require more than finding a carrier willing to quote. They require coordinating multiple markets, structuring layers correctly, managing retention levels, understanding contractual requirements, and ensuring coverage responds the way it was intended.

Just as importantly, they require communicating a clear story to underwriters. A well-managed account with strong claims performance, disciplined safety practices, and effective risk management should be presented differently than a commodity risk.

Complexity is where the difference between a good broker and an average one actually becomes visible.

Most businesses need a core set of coverages, which may include:

• General liability insurance
• Commercial property insurance
• Workers’ compensation insurance
• Commercial auto insurance
• Professional liability (errors & omissions)
• Cyber liability insurance

The exact mix depends on the company’s size, industry, and risk profile. Tower Street helps businesses identify the right coverage, not unnecessary add-ons.

Our support includes:

• Pre-acquisition insurance due diligence
• Pre-close risk and coverage reviews
• Representations and warranties (R&W) insurance placements
• Management liability program design
• Directors & Officers (D&O) liability coverage
• Cyber liability and professional liability programs
• Post-acquisition program integration
• Stewardship reporting and executive-level reviews

We understand that private equity-backed companies have unique challenges. Growth often comes through acquisition, which creates complexity around insurance programs, carrier relationships, claims histories, safety performance, contracts, and employee benefits.

After a transaction closes, we help integrate insurance and risk management programs across the organization while identifying opportunities to improve consistency, reduce redundancy, and strengthen purchasing power.

One of the biggest opportunities is consolidation. Rather than operating as multiple independent insurance buyers, platform companies can often achieve better results by presenting themselves to the marketplace as a single, coordinated organization. That approach can improve leverage with carriers, create operational efficiencies, and support a more consistent risk management strategy across the portfolio.

Private equity moves quickly. Our role is to provide the diligence, reporting, carrier access, and strategic guidance needed to support that pace while helping protect enterprise value.

While most companies focus on premium because it’s the most visible expense, insurance is often only a fraction of what risk actually costs. Total Cost of Risk includes:

• Insurance premiums
• Deductibles and self-insured losses
• Uninsured and underinsured losses
• Workers’ compensation claims
• Legal and contract-related expenses
• Administrative time spent managing claims and incidents
• Experience modifier impacts
• OSHA citations and compliance costs
• Lost productivity and operational disruptions
• Revenue lost when a project or operation is interrupted

Many of these costs never appear on an insurance invoice, but they have a direct impact on profitability.

A company may save $20,000 on premium and still spend far more than that on avoidable claims, turnover, downtime, litigation, or poor risk management practices. That’s why Tower Street focuses on improving the entire risk profile of a business, not just negotiating renewal terms.

When you measure Total Cost of Risk, you gain a clearer picture of where money is actually being lost and where improvement efforts will generate the greatest return.

Reducing Total Cost of Risk starts long before an insurance policy is marketed to carriers. Premium is only one piece of the equation, so we work across multiple areas of your business to improve the factors that drive risk and cost.

Our approach includes:

• Loss control and safety programs to reduce the frequency and severity of claims
• Contract review and risk transfer analysis to keep unnecessary liability off your balance sheet
• Claims advocacy and reserve reviews to help ensure open claims are being managed accurately and efficiently
• Employee benefits and HR consulting to reduce turnover, support retention, and control benefit costs
• Fleet safety, OSHA compliance, and operational risk management to address exposures before they become losses

As those improvements take hold, we help tell that story to the insurance marketplace. With access to more than 250 carriers, we can take a well-managed, well-documented account to underwriters and create meaningful competition for your business.

The result is a stronger negotiating position, more carrier options, improved coverage opportunities, and lower long-term risk costs.

An insurance broker helps you find and place insurance coverage. A risk management advisor helps you understand and improve the factors that drive the cost of that coverage in the first place.

A broker’s focus is typically on the insurance transaction itself: marketing the account, comparing carriers, negotiating terms, and placing coverage. A risk management advisor looks deeper. They focus on:

• Claims frequency and severity
• Safety and loss control
• Contractual risk transfer
• Claims reserves and experience modifiers
• Employee turnover and workforce risk
• Fleet and driver performance
• HR and employment practices
• Carrier relationships and underwriting results

The difference is important because insurance premiums are usually an output, not an input. The premium reflects what underwriters think about your risk. A broker helps you shop the market, while a risk management advisor helps you become a better risk.

At Tower Street, we do both. We market accounts to more than 250 insurance carriers, but we also spend the year working on the things that drive claims, influence underwriters, and affect your Total Cost of Risk. Brokering is a transaction that happens once a year. Risk management is a plan you execute all year long.

Businesses with documented safety programs, low claim frequency, strong loss control practices, active claims management, and well-structured contracts are often viewed as more attractive risks. These companies demonstrate a commitment to reducing losses, which gives carriers greater confidence in the long-term profitability of the account.

That confidence often translates into meaningful advantages, including:

• More competitive insurance premiums
• Broader coverage terms
• Higher available limits
• Increased carrier competition
• Greater stability during challenging insurance market cycles

At Tower Street, we help clients become the type of risk insurance carriers want to insure. When underwriters see a well-managed operation, your business gains leverage, and leverage creates better insurance outcomes.

Selecting the right carrier goes far beyond price. Tower Street evaluates multiple factors, including:

• Underwriting appetite by industry
• Coverage form strength and exclusions
• Claims reputation and response time
• Financial stability and ratings
• Ability to scale as your business grows

Our role is to act as an advocate, matching your risk to the carrier most likely to pay claims, adapt to change, and support long-term stability, whether that’s Chubb or another top-tier market.

Click here to view some of the carriers that Tower Street partners with.

Our submissions often include:

• Detailed operational information
• Loss analysis and claims trends
• Corrective actions taken following losses
• Safety and training documentation
• Contract review and risk transfer practices
• Financial and organizational context
• A clear narrative explaining what has changed and why

Rather than simply forwarding applications and loss runs, we help carriers understand the business behind the numbers.

When appropriate, we also bring underwriters onsite to see the operation firsthand. A decision-maker who has walked your facility, met your team, and seen your processes typically evaluates risk differently than someone reviewing a spreadsheet from behind a desk.

The result is often stronger underwriting relationships, more informed decisions, broader coverage discussions, and greater flexibility when challenges arise.

At Tower Street, we believe carrier confidence is earned. The more complete and credible the story, the better the outcome tends to be.

Our established relationships allow us to negotiate terms, secure capacity, and structure layered programs when needed.

Insurance carriers evaluate accounts based on more than premium volume. They look at claims frequency, claim severity, reserve development, litigation activity, and overall profitability. Simply put, underwriters pay close attention to whether an account consistently makes or loses money.

Accounts that produce strong underwriting results often benefit from:

• More favorable pricing
• Broader coverage terms
• Greater underwriting flexibility
• Increased carrier competition
• Long-term carrier commitment

Accounts with poor underwriting results often face:

• Corrective pricing increases
• Higher deductibles or retentions
• Restrictive coverage terms
• Reduced market interest
• Non-renewal decisions

The important thing to understand is that underwriting results are not driven by premiums alone. They are influenced by safety performance, claims management, contractual risk transfer, hiring practices, and overall operational discipline.

That’s why Tower Street focuses on improving the risk underneath the policy, not just negotiating the renewal.

We manage your account with underwriting results in mind because it’s one of the first numbers underwriters review and one of the last things they forget.

• Industry-leading claims service
• Strong financial strength and long-term stability
• Comprehensive, well-crafted policy forms
• Deep underwriting expertise across commercial and personal lines

That breadth of access allows us to find the right market for a risk instead of forcing a risk into a limited set of carrier options. Whether the challenge is a large property schedule, difficult loss history, specialized operations, or a complex liability exposure, we have access to markets equipped to address it.

We are also proud to hold Chubb Double Cornerstone status, a distinction earned by only a select group of agencies nationwide and one that places Tower Street among the top-performing Chubb partners in the country.

Market access matters because every insurance carrier has different underwriting appetites, pricing models, coverage strengths, and claims philosophies. The more options available, the stronger your position becomes.

The policy itself is only part of the solution. We work closely with your attorney and CPA to ensure the ownership structure, beneficiary designations, tax considerations, and overall strategy align with your broader financial and business objectives.

The goal is simple: create a plan that protects what you’ve built and supports the people who depend on it.

We work with employers on:

• Medical insurance
• Dental insurance
• Vision insurance
• Group life insurance
• Disability insurance
• Voluntary benefits

Our team also supports the ongoing administration of your benefits program, including renewals, employee enrollment, carrier negotiations, and employee communication.

What makes our approach different is that our employee benefits practice works alongside our property and casualty team. This allows us to look at the full picture of your workforce costs, risk exposure, and overall employee strategy rather than treating benefits as a standalone purchase.

Depending on your organization’s size, goals, and risk tolerance, that may include:

• Self-funded or level-funded health plans
• Captive and consortium participation
• Pharmacy benefit strategy
• Alternative funding arrangements
• Plan design and contribution changes
• Carrier and network evaluations

Our goal is to reduce waste while maintaining a competitive benefits package that supports employee recruitment and retention.

We assist employers with:

• Employee handbooks and workplace policies
• HR compliance and employment-related questions
• Job descriptions and hiring practices
• Employee onboarding and training
• Performance management
• Employee relations issues
• Terminations and separation best practices

Many businesses don’t have the need or budget for a full-time HR department, but they still face the same compliance requirements and employee management challenges as larger organizations. Our team serves as a resource for those day-to-day questions and employee situations that require guidance and documentation.

One of the most important things we help employers improve is process and consistency. Many employment-related claims and disputes stem from unclear policies, poor documentation, or inconsistent management practices. By implementing sound HR processes and maintaining proper documentation, businesses can reduce risk, improve employee experiences, and create a stronger workplace culture.

A rushed hire with little training is more likely to get injured. A termination handled without documentation can become an employment claim. A handbook that hasn’t been updated in years can quickly become the foundation of a lawsuit.

Strong HR practices help reduce those risks before they become claims.

There is also a quieter connection that many businesses miss: companies with high turnover tend to have higher injury rates. New employees are injured far more often than experienced employees, which means turnover affects far more than recruiting costs. It impacts productivity, safety performance, workers’ compensation claims, and ultimately your experience modifier.

That’s why investments in people often show up in places you wouldn’t expect, including:

• Lower workers’ compensation costs
• Fewer employment-related claims
• Reduced turnover
• Improved productivity
• Better safety performance
• Stronger employee retention

The work that helps keep good employees, fair compensation, meaningful benefits, effective onboarding, clear expectations, and strong management practices, often ends up improving insurance results as well.

That’s why HR consulting, employee benefits, safety, and insurance sit under one roof at Tower Street.

Turnover is expensive, and it creates risk. New employees are injured far more often than experienced workers, which means businesses with high turnover often experience more workers’ compensation claims, lower productivity, and increased training costs. Companies that retain employees tend to have fewer workplace injuries, stronger safety cultures, and more predictable insurance outcomes.

Strong HR practices also help reduce employment-related risk. Effective hiring processes, clear job descriptions, thorough onboarding, consistent performance management, and proper documentation can help prevent many employment practices claims before they occur.

The connection is simple: businesses that attract, retain, and develop good employees generally experience fewer claims, lower experience modifiers, better productivity, and fewer employment-related disputes.

At Tower Street, we view employee benefits and HR consulting as important parts of a broader risk management strategy. When your people strategy improves, your risk profile often improves with it.

We also coordinate with your payroll provider, legal counsel, and other advisors to help ensure everything works together properly.

The reality is that compliance mistakes in employee benefits are usually quiet until they’re not. When issues surface, they can result in penalties, employee complaints, audits, and significant administrative burdens.

Most of these problems are avoidable with the right processes and oversight. Our job is to help employers stay ahead of them.

Tower Street helps employers:

• Determine ACA applicability
• Maintain compliance
• Avoid penalties
• Understand reporting obligations

• Health insurance (medical, dental, vision)
• Competitive employee contributions and premiums
• Retirement plans with employer contributions
• Flexible work options
• Wellness and mental health benefits

Tower Street helps employers design benefits packages that balance employee expectations with budget realities.

Insurance carriers evaluate your business based largely on your loss history, and even a series of relatively small claims can impact your experience modifier, loss ratio, and insurance premiums for years. In many cases, a claim’s effect on your insurance costs lasts far longer than the claim itself.

Effective loss control helps reduce both the frequency and severity of losses by identifying hazards, improving safety practices, and creating accountability throughout the organization.

The benefits go far beyond insurance pricing. Workplace injuries and accidents can lead to:

• Lost productivity
• Project delays
• Employee turnover
• Increased workers’ compensation costs
• Lower morale
• Customer dissatisfaction
• Damage to your reputation

Businesses with strong loss control programs often experience fewer claims, better operational performance, and more favorable treatment from insurance carriers.

At Tower Street, we believe loss control is one of the best investments a company can make. Preventing a serious injury protects your employees, strengthens your culture, and supports long-term business success.

Our services can include:

• Written OSHA-required safety programs
• OSHA recordkeeping and OSHA 300 log guidance
• Employee safety training and education
• Jobsite and workplace safety reviews
• Mock OSHA inspections
• Incident investigation support
• Compliance guidance and best practices

If an OSHA inspector arrives, we help clients understand the process and prepare appropriate documentation. If a citation is issued, we assist with reviewing the findings, developing corrective action plans, managing abatement requirements, and preparing for informal conferences.

Our support includes:

• Driver qualification files (DQFs)
• Hours of Service (HOS) compliance
• Drug and alcohol testing programs
• FMCSA Clearinghouse requirements
• Vehicle inspection and maintenance records
• CSA score monitoring
• Fleet safety programs
• DOT audit preparation and support

Many companies are surprised to learn they have crossed into DOT jurisdiction. Whether it’s adding vehicles, expanding operations, increasing vehicle weights, or transporting materials across state lines, compliance obligations can arise long before a formal audit occurs.

The challenge is that DOT issues often remain invisible until a roadside inspection, accident investigation, or compliance review exposes them. By then, the costs can include fines, increased scrutiny, operational disruption, and liability concerns.

We help clients identify DOT requirements early, close compliance gaps, and build sustainable processes that support both safety and operational efficiency. We’d rather help you discover a compliance issue now than have an auditor discover it later.

Our fleet risk management services include:

• Driver qualification and motor vehicle record (MVR) standards
• Driver hiring and screening criteria
• New driver onboarding programs
• Defensive driving training
• Telematics and in-cab camera program implementation
• Driver coaching and accountability workflows
• Accident review and corrective action planning
• Vehicle inspection and maintenance documentation
• Fleet safety policies and procedures

Today’s commercial auto insurance market is one of the most challenging and expensive lines of coverage for many businesses. Insurance carriers closely evaluate driver quality, fleet management practices, accident trends, and safety culture when determining pricing and underwriting eligibility.

A disciplined fleet safety program helps reduce accidents, improve driver performance, strengthen carrier confidence, and lower the total cost of risk over time.

At Tower Street, we help clients build practical fleet safety programs that fit their operations and address the behaviors and exposures driving losses. The goal isn’t simply to meet a requirement. It’s to create a safer fleet, reduce claims, and make your business more attractive to insurance carriers.

• Facility and jobsite evaluations
• Loss run analysis and claim trend reviews
• Written safety program development and updates
• Supervisor and employee training
• OSHA and regulatory guidance
• Follow-up visits to verify improvements are being maintained

Just as importantly, we focus on leading indicators, not just claim history. We monitor things like:

• Near-miss reports
• Inspection findings
• Driver behavior and telematics data
• Safety observations
• Training completion and accountability measures

The goal is to identify and correct problems while they are still small, before they become injuries, claims, lawsuits, or OSHA citations.

Loss control isn’t a one-time project. It’s an ongoing process of measuring risk, implementing improvements, and verifying that those improvements are actually working. That’s how claims are prevented, not just documented after the fact.

Common contractual risk transfer provisions include:

• Indemnification and hold harmless agreements
• Additional insured requirements
• Waivers of subrogation
• Insurance requirements and specifications
• Limitation of liability clauses

These provisions can have a significant impact on your business’s legal and insurance obligations. They help determine which party’s insurance responds to a claim, who defends the lawsuit, and who ultimately bears the financial burden when something goes wrong.

One of the most important realities of contract negotiation is that the party drafting the agreement is often drafting it in their own favor. Businesses that sign contracts without understanding these provisions may unknowingly assume liability they never intended to take on.

At Tower Street, we help clients identify potential issues within contracts and understand how those obligations align with their insurance program. The goal is simple: make sure the risk you’re accepting is a risk you’ve intentionally agreed to take.

For example, if your insurer pays for a covered loss that was caused by another company’s negligence, the insurer would normally have the right to pursue that company to recover what it paid. A waiver of subrogation prevents the carrier from taking that action.

Waivers of subrogation are commonly required in construction contracts, service agreements, leases, and vendor contracts as part of a broader risk transfer strategy.

Most insurance policies can accommodate these requirements when they are agreed to in writing before a loss occurs and the appropriate policy endorsement is in place. The problem arises when a business signs a contract requiring a waiver of subrogation without confirming that its insurance policy allows it.

At Tower Street, we review waiver of subrogation requirements as part of our contract review process to help ensure your contractual obligations align with your insurance coverage. The goal is to avoid creating a coverage issue long before a claim occurs.

If a subcontractor has no insurance or lets it lapse, their injuries, property damage, and liability claims can flow directly into your insurance program. That impacts your loss runs, your premiums, and your negotiating position with carriers.

The surprise often comes at audit. If a subcontractor can’t prove they carried workers’ compensation coverage, your carrier may charge you for that payroll at your rates, resulting in a bill you never planned for.

We help clients avoid these problems by setting subcontractor qualification standards, collecting and tracking certificates of insurance, reviewing contract requirements, and enforcing compliance before work begins.

The best time to discover a subcontractor is uninsured is before they step onto the jobsite, not after a claim occurs.

Contracts demand this language all the time, especially in construction and commercial agreements. The problem is that it usually requires a specific policy endorsement to work as intended.

Without that endorsement, carriers can end up arguing over who pays what while the claim sits unresolved. When that happens, it isn’t just the claim that’s affected. Your customer relationship can take the damage too.

That’s why we review these requirements before contracts are signed and make sure your insurance program supports the obligations you’re accepting.

While the insurance carrier assigns an adjuster to handle the claim, Tower Street works as your advocate to help ensure the claim moves efficiently and is resolved appropriately. Our involvement may include:

• Assisting with claim reporting and documentation
• Encouraging prompt claim investigations
• Monitoring claim activity and progress
• Challenging reserves that may be unnecessarily high
• Coordinating return-to-work efforts
• Tracking litigation and claim developments
• Driving claims toward closure whenever possible

Effective claims management can have a significant impact on future insurance costs. Open claims, excessive reserves, and delayed resolutions can affect your loss history, experience modifier, and renewal results for years to come.

We believe a claim shouldn’t be filed and forgotten. We remain actively involved, helping clients navigate challenges, identify opportunities for resolution, and protect the long-term health of their insurance program.

The adjuster works for the carrier. Our claims advocacy team works for you.

Once immediate safety concerns have been addressed, businesses should:

• Report the claim as soon as possible
• Document the scene with photos and videos
• Collect witness statements while memories are fresh
• Preserve any equipment, vehicles, or property involved
• Complete an incident investigation
• Notify Tower Street the same day whenever possible

Prompt reporting and thorough documentation are critical to a successful claims outcome. The details captured in the first few hours and days after an incident often have a significant impact on how the claim is ultimately resolved.

One of the most expensive mistakes businesses make is delaying claim reporting. Late reporting can increase claim costs, complicate investigations, attract attorney involvement, and create concerns for insurance carriers during the claims process.

At Tower Street, we help clients navigate claims from the moment an incident occurs. Our goal is to ensure claims are reported correctly, investigated promptly, and managed proactively to protect both your employees and your insurance program.

From the moment a claim is reported, we help clients by:

• Assisting with claim reporting and documentation
• Setting expectations and explaining the claims process
• Monitoring claim progress and adjuster activity
• Reviewing reserves for accuracy
• Challenging reserve levels that don’t align with the facts or medical information
• Coordinating with defense counsel when litigation arises
• Providing regular updates and ongoing communication

Our goal is to keep claims moving forward and prevent files from sitting idle. Effective claims management can reduce costs, improve claim outcomes, and minimize the long-term impact on your insurance program.

Most importantly, you have a dedicated advocate who knows your business, understands your account, and is available when you need help. At Tower Street, you’re not calling a general service line or wondering who owns the claim. You have one point of contact focused on protecting your interests throughout the process.

For workers’ compensation and many other commercial insurance programs, reserves become part of your loss history and can directly impact key rating factors such as:

• Your experience modifier (EMR)
• Your loss ratio
• Underwriter perception of your account
• Future insurance premiums

That’s why reserve accuracy matters. A claim that eventually settles for $10,000 can still have a significant impact on your insurance costs if it was reserved at $75,000 when your experience rating was calculated.

Overstated reserves can make a business appear riskier than it actually is, while accurate reserves provide a more realistic picture of claim performance. This is one of the reasons Tower Street conducts regular claims and reserve reviews throughout the year rather than waiting until renewal season.

By identifying reserve issues early and addressing them before key valuation dates, businesses can improve how their loss experience is presented to insurance carriers and potentially reduce future insurance costs.

• Principal: the business or contractor purchasing the bond
• Obligee: the entity requiring the bond (project owner, government agency, or municipality)
• Surety: the bonding company that guarantees performance

Surety bonds are commonly required for construction projects, licenses, permits, and contractual obligations.

View our comprehensive guide to surety bonds.

• Bond type and required bond amount
• The principal’s credit, financial strength, and experience
• Project size and complexity

Most contract bonds are priced as a percentage of the bond amount, typically ranging from 0.5% to 3% for well-qualified contractors. Tower Street works to secure competitive terms while aligning your bonding program for long-term growth.

Key differences include:

• Insurance protects the policyholder; surety bonds protect the obligee
• Surety claims must be repaid by the principal
• Surety underwriting focuses heavily on financial strength and character

Tower Street helps clients understand these differences to avoid costly misunderstandings.

While the firm itself is relatively young, our leadership team brings decades of industry experience. Our CEO, Chris Peterie has nearly 30 years of insurance and risk management experience, including serving as President of the largest privately owned insurance agency in Texas before launching Tower Street.

In just a few years, Tower Street has grown to more than 250 carrier appointments, established relationships with many of the industry’s leading insurance markets, and built a platform that took many agencies generations to achieve.

We’re proud of our growth, but we’re even more proud of how we got there: by helping clients reduce risk, strengthen their insurance programs, and create better outcomes than they thought were possible.

Working with Tower Street starts with a conversation about your business, operations, contracts, claims history, and any frustrations you’ve experienced with your current insurance program or broker. We take the time to understand your unique risks, goals, and challenges before making recommendations.

From there, we develop a strategic insurance and risk management plan tailored to your business. This includes key milestones such as loss control initiatives, claims and reserve reviews, contract and coverage analysis, and a proactive renewal marketing strategy designed to position your account effectively with insurance carriers.

Throughout the process, you’ll know exactly what we’re working on and when. Rather than simply shopping for a policy once a year, Tower Street partners with clients year-round to help reduce risk, improve outcomes, and build a stronger insurance program for the future.