Our Service Offerings

Insurance Buyers

Clear Vision Services

"Insurance is confusing and I don't understand a word my agent says!" Or, "I can't believe that after all of the premiums I have paid, the first claim I have is denied."

If these statements sound familiar, we can help. We are not insurance sales people and take an altruistic, unbiased view of your risk exposures and insurance solutions. 

We have the background, knowledge and ability to:

  • Act as Your Insurance Department.
  • Provide an Objective Analysis of Your Exposures.
  • Provide A Clear and Understandable Review of Your Current Insurance Program.
  • Design an Insurance Program That Meets Your Goals and Objectives.
  • Create Your Insurance Specifications for Submission to Your Insurance Broker for Proper Quotations.
  • Analyze the Proposals Submitted by Your Broker and Provide Written Recommendations.
  • Review the Insurance Policies Placed by Your Broker to Assure Compliance With Your Insurance Specifications.
  • Manage Changes to The Insurance Portfolio and Work With The Insurance broker to effect these modifications.
  • Review Your Contracts, Leases and Other Business Agreements From A Risk Perspective and Provide Recommendations.
  • Work With Your Service Providers, Tenants (or Landlords), Contractors or Sub-Manufacturers to Confirm Compliance With Your Business Agreements.
  • Review and Analyze Claims and Coverages Prior to Submission and Manage During the Adjusting Process.
  • Review New Acquisitions, Product Lines and Sales Territory.


  • Objective and Proper Use of Your Insurance Budget.
  • Better Understanding of Risk Transfer and Risk Retention.
  • Properly Designed Insurance Portfolio to Meet Your Needs.

Insurance Agents & Brokers

Best in Class Agency Development

Every agency is looking to increase revenue and retain a higher percentage of their clients. In order to do so, the agency must identify and correct weak points in your sales and service teams and "broker-proof" their accounts. Some of the projects that clients have asked us to perform:

  • Coverage Analysis for Current Client.
  • Analyze Exposures and Current Coverage's for Prospective New Account.
  • Audit Your Book of Business and Identify Missing or Coverage Deficiencies.
  • Perform A Large Account Review That Incudes Risk Analysis, Current Coverage's and Possible Coverage Enhancements to Broker-Proof the Account.
  • Provide Specific Training for Professional Development.
  • Assist in New Product or Coverage Line Development.
  • Audit Your Transactional Methods and Processes and Provide an Analysis of Corrections.
  • Mentor Your Producers and Service Members With Their Technical and Sales Skills.


  • Increased Sales.
  • Reduced Account Churning and Account Raiding by Other Brokers.
  • Increased Account Retention.
  • Reduced Errors & Omissions Loss Potential.

Professional Development Tools

To gain access to the best clients and produce higher fees and commissions, your sales and services teams must have the technical skills and tools to command their attention. 

We can provide you with the following:

  • Professional Proposal Templates, Customized to Your Needs.
  • Coverage Summaries and Terminology.
  • Exposure Review Forms Your Producers Can Use.
  • Submission Specifications by Line of Coverage and/or Type of Business.
  • File Review Support Forms for Your Service Staff.
  • Technical Training for Your Sales and Service Teams.


  • Higher Level of Professional Sales and Service.
  • Improved Efficiency.
  • More Sales Time.
  • Increased Sales.

Errors & Omissions Loss Control

The best thing an agency can do is risk manage their own risk. A benefit of proactively increasing professional standards is a reduction in E & O exposure. Unfortunately, you can do everything right and still become a litigation target. If the worst happens, once you shake off that sinking feeling in the pit of your stomach, call us. We can help you work with your E & O insurance carrier and attorney, at the start of litigation and actively assist in seeking proper defense strategies. If the issue cannot be resolved, our experts can work directly with your legal counsel as a standard of care expert witness. 

We can:

  • Review Your E & O Loss Control Measures.
  • Provide Specific Solutions for Exposure Reduction.
  • Assist With Implementation of Loss Controls.
  • Act as an Agency Advocate or Expert Witness.
  • Act as Coverage Consultant and Standard of Care in Tandem With Legal Counsel.


  • Strengthened Protection Against E & O Claims.
  • Reduced Staff Time Relating to Documentation Collection and Review.
  • Identified Defense Strategies.
  • Best Possible Claim Resolution.

Insurance Companies

Gold Standard Services

Some insurance companies have their own internal technical training program. Many pay a significant amount of money to send their employees to generic industry training. You can have an education program customized for your needs, focused on your own underwriting standards and exclusively on your own product portfolio. 

We have the background, knowledge and skills to provide that training:

  • Customized Education Programs.
  • Product-Focused Training.
  • Product Review and Comparison for Market Expansion.


  • Well Trained Underrwiters.
  • Increased Product Knowledge.
  • Increased Customer and Agency Loyalty.
  • Reduced Claim Disputes.
  • Reduced Exposure to Bad Faith Litigation.

Litigation & Claims Services

Our depth of experience in property and casualty insurance industry is unparalleled and makes us an invaluable resource to counsel representing insurance agents in standard of care; insurance company bad faith; plaintiff insurance buyers; general insurance litigation.

We can provide file analysis, policy or claims review, coverage consultation, defense strategies or expert testimony for agent / broker standard of care at deposition and trial. We have been approved as a qualified expert in a number of state trial courts as well as federal district court. As expected, a confidential review of all parties is performed for conflict of interest prior to accepting any engagement. 

  • Evaluate Documentation, Depositions and Related Documents.
  • Form and Offer Opinions Based on The Information and Facts of The Case.
  • Provide Expert Testimony at Deposition or Trial.
  • Write Expert Opinion Report as Required.
  • File Analysis.
  • Policy or Claims Review.
  • Coverage Consultation.
  • Assist in Developing Defense Strategies.
  • Assess Documentation and Facts.
  • Provide Analysis of Case Issues and Coverages.
  • Provide Assistance With Case Management Strategy.
  • Insurance Agent or Broker Standard of Care.
  • Insurance Coverage Analysis Builder's Risk Business Income.
  • Business Auto.
  • Commercial General Liability.
  • Commercial Property.
  • Director's and Officers Liability.
  • Employment Practices Liability.
  • Environmental.
  • Fiduciary Liability.
  • Homeowner’s / Dwelling Property.
  • Personal Auto.
  • Personal Liability.
  • Professional Liability.
  • Workers’ Compensation.
  • Marine / Inland Marine.
  • Construction insurance Programs, Including OCIP / CCIP.
  • Effective Testimony and Opinion Reports.
  • Identified Defense Strategies.
  • Best Possible Resolution.