Commercial General Liability Insurance

Similar to workers compensation, our firm excels at the placing of commercial general liability insurance. Commercial general liability presents rich opportunity for best-in-class companies to recapture lost expense dollars, dramatically improving the performance of their business liability insurance account, which can also mean reduced costs on their insurance coverage.

These best-in-class companies (our clients) understand there is a direct correlation in the premiums charged on commercial general liability contingent on the Loss Performance / Claims History of the account. By partnering with Metropolitan Risk, our clients benefit from lower overall expenses and lower insurance costs. We focus on the loss performance of the account, which in turn drives both the premium and expenses incurred by your company, enabling you to more aggressively compete in your markets.

Here, Simply Stated, is the Metropolitan Risk Difference<:

Most Insurance Agencies:

• Take YOUR claims history, and your results, and present them to the marketplace through the application process.
• At the end of the application process, the Agent or Broker returns with the cheapest quotation for New York General Liability Insurance offered by the marketplace, which is purchased by the AVERAGE company.
• Issue Certificates and sit back, watch, and wait to see how your account performs over the next 12 months. They then take the results and begin the process all over.

Metropolitan Risk:

• We analyze your claims history using our proprietary trend analysis software and review your company financials to determine what your true cost of risk is.
• At the end of this analysis, we will pinpoint typically several areas within your organization that may be rich in opportunity to recapture lost dollars. We can also lower future expense costs so you may reallocate those dollars in a more productive capacity getting a positive net return. Our focus here is to identify Net Income Loss and your Total Cost of Risk.
• Develop a strategic, SIMPLE plan to improve the performance of the account by applying our unique profit tools. This will alleviate the friction points in your organization that are causing you a Net Income Loss, High TOTAL COST OF RISK expense, and ultimately degrading the performance of your account.
• Share our strategy with select insurance carriers that Metropolitan Risk has partnered with that understand and trust our firm to improve the performance of these accounts.
• Return with insurance quotations, a strategy, and deployment schedule going forward along with account goals. We then set the expectation for account performance.
• Upon the next renewal term, we should have a great story to tell the insurance marketplace, resulting in lower insurance costs and more importantly, lower total cost of risk.

Contact one our Risk Advisors today to schedule a free 20 minute consult to assess how much of your premium and expense dollars we can re-capture. You can also receive a free online quote for commercial general liability by filling out the form above.