We recently helped one of our commercial landscape clients reduce their total cost of risk by 24% year over year, from $511,000 in 2024 to $385,000 in 2025. That’s $125,000 in real savings, strengthening their bottom line and freeing up resources to reinvest in their business.

Our relationship with this client extends beyond insurance. We support them with employee benefits strategy, HR consulting, and monthly loss control, all designed to reduce risk and deliver lasting value.

At Tower Street, our focus is simple: serve each client with excellence and help their business thrive.

We partnered with a national auto repair & maintenance company to help them streamline their insurance program and improve claims handling.

We began by taking over their Workers’ Compensation policy through a Broker of Record change. We then brought in our dedicated claims management team to help resolve existing claims and manage their EMod moving forward.

After a thorough review of their program, we secured a 43% reduction on their Business Owner’s Policy and added an Umbrella policy, all while delivering an overall 28% savings in insurance costs.

This is what we mean when we talk about protecting what our clients are building, by reducing costs and strengthening coverage, we help businesses focus on what matters most.

Tower Street supported a concrete contractor with a comprehensive program review and strategic market repositioning.

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.

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.

A condominium association was recently referred to our agency. By restructuring their property, general liability, and excess policies, we were able to secure a 27% savings for their business.

For condominium associations seeking clearer, more efficient insurance solutions, we’re here to help you save while staying protected.

A Houston-based plumbing firm, previously insured with a national direct writer and paying over $600,000 in annual premium, asked Tower Street to review their current insurance coverage program. Based on the existing program, the business owner requested that we take the coverage to market. Following a comprehensive review of coverage and deductibles, we delivered broader protection and significant savings:

• The client’s existing program included a $100,000 account-level self-insured retention; we moved the program to $0 deductible while aligning limits to exposures.
• Expanded coverage by increasing core limits and adding Executive Liability coverage.

The result?

We were able to secure a annual premium reduction of $122,000, an 18.5% in overall savings, with enhanced coverage and a more resilient risk posture.

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 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 supported a sheet metal contractor to improve overall safety performance and reduce workers’ compensation exposure, delivering a significant long-term impact on their risk profile.

What began as a high-risk operation has transformed through consistent focus, accountability, and strategic loss control efforts. Over the past several years, our loss control team worked closely with leadership to implement and strengthen:

• Employee safety training and hazard recognition
• Incident investigation and root cause analysis
• Supervisor accountability
• Injury & Illness Prevention programs
• Emergency preparedness and heat illness prevention
• Ongoing risk management best practices

The Outcome:

• Projected EMOD reduction: 2.37 → 1.06 (~55% improvement)
• Incurred losses reduced: $103,819 → ~$14,487 (~86% reduction)
• Loss ratio improved: 71.77% (2021) → 17.62% (current)
• Claim frequency reduced: 21 → 9 claims (~57% decrease)

This is a measurable transformation, not just in numbers, but in culture. A stronger safety foundation has led to fewer claims, lower losses, and a significantly improved insurance profile.

Tower Street began working with a medical equipment manufacturer just weeks before their renewal date, requiring an immediate, strategic review of their insurance program. We executed a full remarketing effort, securing substantial savings without compromising coverage.

Key improvements included:

• Restructured Products Liability coverage, where the client had been significantly overpaying.
• Strengthened the Package Policy with broader terms and improved alignment to exposures.
• Enhanced Commercial Auto coverage with more competitive pricing and stable conditions.
• Optimized Cyber, Umbrella, and Executive Liability policies to create a well-rounded, modern protection portfolio.

The result: $73,129 in premium savings, a 30.1% reduction, while significantly improving the client’s overall insurance program. This is the Tower Street standard: precision, urgency, and delivering the right solution at the right time.

Tower Street helped a national restaurant operator strengthen its insurance program just one week before renewal. Through targeted research and strategic market placement, our team transitioned the account to a more competitive carrier, securing lower premiums while ensuring proper protection for new and expanding locations.

Program highlights included coverage for:

• Secured a 75% savings in General Liability premium
• Commercial Auto
• Workers’ Compensation
• Overall saving of 56% on umbrella policy

The result: $9,345 in premium savings, achieved without compromising coverage and while supporting continued growth.

Tower Street partnered with a regional funeral home to strengthen their insurance program and identify opportunities for improvement. We conducted a targeted market search and placed the account with a carrier offering a specialized program, securing a comprehensive package policy that included Cyber coverage, an important protection they did not previously have.

Coverage enhancements included:

• Property
• General Liability
• Commercial Auto
• Umbrella
• Workers’ Compensation
• Cyber

These improvements resulted in $6,511 in annual premium savings, a 35% in overall savings, while expanding the client’s overall protection. We were also grateful for the opportunity to meet the owner in person, learn about their operations, and build a strong working relationship.

A national concrete finishing company, previously insured through a national mutual carrier, partnered with Tower Street to elevate the strategy and strength of its insurance program. Through a comprehensive audit and targeted market approach, our team delivered the following improvements:

• Enhanced overall coverage with broader terms and strengthened protections.
• Clarified key terms and conditions to reduce uncertainty and improve alignment across policies.
• Added an Executive Liability package to address leadership exposures.
• Implemented dedicated Cyber protection to safeguard against modern digital risks.

These enhancements not only advanced the company’s risk posture but also delivered meaningful financial impact, generating $50,000 in annual premium savings, an 11.5% reduction.

This is the Tower Street approach: smarter coverage, stronger strategy, and results that create long-term value.

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.

We worked with a general contractor navigating rising insurance costs, subcontractor exposure, and gaps within their existing program. Their coverage appeared standard, at first glance, but a deeper review revealed several opportunities for improvement.

Through a comprehensive coverage analysis, we identified opportunities to restructure the insurance program and re-market the account to better fit the company’s actual operations and risk exposures.

The Outcome:

• $38,893 in annual savings
• 48.22% reduction in total premium
• Removed restrictive Residential Construction Exclusion (with 5% residential exposure)
• Increased key coverages:
  • Business Personal Property: $10K → $25K
  • Business Income: $100K → $150K
• Reduced deductibles:
  • Property: $5K → $1K
  • General Liability: $1K → $500
• Added $50K Cyber Liability coverage
• Enhanced General Liability with a Per Project Aggregate

The Result:

A stronger, more comprehensive insurance program at a significantly lower cost and better aligned with the realities of the business.

In conducting a comprehensive property insurance review for a company in the commercial real estate development space, we uncovered $14,009 in annual premium savings.

Through deep market knowledge, proactive strategy, and a client-first mindset, our advisors restructured the policy to better reflect the current risk profile. The result: more protection, without compromising the client’s coverage quality.

Businesses deserve advisors who not only understand risk, but know how to reduce it and protect what’s being built. At Tower Street, we deliver thoughtful, data-backed solutions that drive results.

Tower Street partnered with a steel fabrication shop to conduct a comprehensive coverage analysis and uncover opportunities for improvement. We identified coverage gaps and determed the entire program had been placed in surplus (E&S) market when it did not require that structure.

Program improvements included:

• Placement of General Liability, Property, Inland Marine, Excess, Commercial Auto, Professional Liability, Workers’ Compensation, and Pollution coverage with properly aligned admitted markets.
• Strategic program realignment, including properly aligning excess limits, adjusting inland marine limits to match actual exposure, and restructuring deductibles to better suit the client.
• $87,255 in premium savings, representing a 32% overall reduction.

This is the Tower Street approach: helping clients uncover hidden savings, strengthen coverage, and build insurance programs that support long-term success.

When this electrical contractor came to us, the objective wasn’t simply to reduce premiums. The goal was to identify opportunities for improvement, and ensure their coverage was aligned with the company’s continued growth.

We evaluated market options, and worked to create a more strategic insurance program that balanced cost, protection, and long-term performance.

The Outcome

• $182,000 in annual savings across General Liability, Excess Liability, and Workers’ Compensation
• Added a $1,000,000 Crime policy limit to strengthen protection
• Became the Broker of Record for the Commercial Auto program, allowing us to manage the client’s insurance portfolio under one coordinated strategy

The value didn’t stop with premium savings. We partnered with the client to implement a proactive risk management approach focused on:

• Loss control
• Claims advocacy
• Long-term insurance performance

The Result

A stronger, more comprehensive insurance program, significant cost savings, and a unified strategy designed to support the client’s future growth.

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.