When a longtime client transitioned into a national medical office practice, they asked us to take a fresh look at their insurance program. Our team stepped in to help however we could.

Here’s what we were able to accomplish together:

• Helped strengthen coverage by raising limits, adding significant coverage, and closing important coverage gaps
• Shifted several policies from excess & surplus lines to an admitted carrier with a strong track record and excellent claims service
• Provided proactive claims support, helping reduce the number and severity of claims
• Identified cost-saving opportunities that led to $800,400 in total savings across the program

Most importantly, we helped bring their insurance program into line with the growth of their business, something we take great pride in.

At Tower Street, we approach every client with the same mindset: listen, dig in, and do what’s right to protect what matters most.

We partnered with a manufacturing company last year that was initially paying $418,000 annually for an insurance program that was both overpriced and underbuilt, leaving several critical exposures completely uninsured. We stepped in and took control of the program, quickly identifying inefficiencies and coverage gaps. Through a full restructure and strategic market repositioning, we delivered $50,000 in immediate savings while realigning coverage across all lines.

At renewal, we didn’t slow down, we built on that momentum.

With a properly structured program in place, we brought the consolidated account back to market, this time negotiating from a position of strength.

The Outcome:

• $82,000 in additional savings at renewal
• Total premium reduced to $286,000
• $132,000 in total savings within 12 months
• Closing Critical Gaps:
  • Lower premium meant nothing without proper protection. We strengthened the program by adding:

• • • Professional Liability
    • Employment Practices Liability (EPL)
    • Crime
    • Cyber

To sustain these results, our loss control team implemented telematics across the client’s fleet, providing real-time visibility into driver behavior and a framework to actively manage and improve risk over time.

We partnered with a multi-location hospitality group operating across three states. While their existing program appeared competitive on the surface, a full market remarketing revealed both cost inefficiencies and significant coverage gaps (particularly within their umbrella liability structure).

We conducted a comprehensive program review, re-marketed the account, and restructured key elements of coverage to better align with the client’s operational risk.

The Outcome:

• Total premium reduced: $297,130 → $238,326
• Annual savings: $58,805
• Overall cost reduction: 19.8%

Umbrella Policy Improvements:

• Premium reduced: $90,000 → $64,254 (28.6% reduction)
• Expanded coverage to include:
  • General Liability
  • Liquor Liability
  • Auto Liability
  • Employers Liability
    • These exposures were previously not covered under the umbrella, leaving critical gaps in protection.

The Result:

A more comprehensive insurance program that not only reduced total spend by nearly 20%, but also eliminated key coverage gaps and significantly strengthened the client’s risk protection across multiple locations.

Tower Street supported a concrete contractor with a comprehensive program review and strategic market repositioning. Business Risk Advisor Kaleb Averell led the engagement and drove outcomes that materially strengthened the client’s program.

Key outcomes included:

• $224,220 in total premium savings, reducing the program from $561,074 to $336,854 compared to the prior placement.
• Transitioned the account from the E&S market to admitted carriers, materially reducing surplus lines taxes and improving rate stability.
• Increased limits and broadened coverage across the majority of policies while still lowering total premium.
• Implemented safety and loss control support, helping the client proactively mitigate future claims rather than reacting after losses occur.
• Ongoing work on Key Man coverage for the C-suite to further strengthen the company’s balance sheet and overall risk profile

Tower Street aligns coverage with real exposure, uncovers hidden savings, and builds insurance programs that support long-term growth and stability.

A Dallas-based professional services company specializing in strategic business investments saved nearly $50,000 on their 2025 renewal.

How did we achieve this for a small group? Through a consultative approach. We began by thoroughly reviewing their claims data, a step they hadn’t previously undertaken. From there, we collaborated closely through multiple meetings to analyze the numbers and refine their strategy.

The result? A stronger benefits package and nearly $50,000 in annual savings.

Our team is dedicated to meticulously reviewing every detail, ensuring insurance carriers have the most accurate data to make informed underwriting decisions. For professional services seeking a stronger benefits package while achieving substantial savings, we’re here to help.

One of our electrical wholesale clients recently renewed with Tower Street. By consolidating their policies with a single carrier and thoughtfully restructuring key coverages, we helped them achieve an additional $127,179 in annual savings: a 44.85% reduction in total premium.

Here’s what that looked like:

• 70% savings on property insurance
• 51% reduction in auto premiums
• 24% lower general liability costs with critical exclusions removed
• 41% savings on pollution coverage

Our goal is to streamline coverage, reduce complexity, and uncover meaningful savings. We help you protect more and spend less.

We helped a client save $40,000 on their medical insurance by evaluating and implementing an alternative funding strategy tailored to their employee population. In addition to lowering medical premiums, we enhanced the value of their employer-sponsored disability coverage.

We conducted a full market analysis, explored multiple funding models, and guided the client toward a cost-effective solution that preserved, and enhanced their employee benefits.

Key Implementation Highlights:

• Smooth execution of an expedited enrollment timeline
• Employee education meetings to ensure clear understanding of the new plans
• Customized, branded benefits guides tailored to the client’s offerings
• Payroll integration into the benefits admin platform for seamless deductions
• First invoice audit, correcting early discrepancies
• Certificate of Coverage audit to verify plan accuracy
• ERISA document updates to ensure full compliance with the new structure

At Tower Street, we believe in aligning great coverage with great service. Helping clients protect what matters most begins with listening, analyzing, and delivering with excellence.

We secured and retained a complex tower climber account in the telecommunications space, an industry known for high-risk exposure and limited carrier appetite.

At renewal, the incumbent carrier delivered a 29.5% increase, driven by the nature of the client’s operations (work at height, specialized labor, and multi-state field activity).

Rather than accept the increase, we took a strategic approach:

• Re-marketed the account to the broader marketplace
• Restructured the program to better reflect actual operations
• Negotiated directly with carriers to improve positioning

The Outcome:

• Reduced premium from $51,801 to $22,863
• Delivered ~$28,900 in savings vs renewal
• Achieved a 31% rate reduction
• Improved carrier quality by moving from non-admitted to admitted (Texas Mutual)

The Result:

This was more than a cost reduction: it was a stronger, more sustainable insurance program aligned with the client’s risk profile.