Is Your Insurance Program Costing You More Than It Should?
Get a complimentary Cost of Risk Audit — a 45-minute financial health check of your entire roof-work coverage program.
Request Your Free AuditWhat This Means For You
This free tool takes the guesswork out of understanding your cost of risk audit. Instead of trying to piece together information from multiple sources or waiting for a broker callback, you can get clear numbers in about two minutes.
Enter your information below — no account needed, no email required. The results will give you a solid starting point for making informed decisions about your benefits strategy.
Workers' Comp Rate Analysis
Are you in the right class codes? Is your EMR accurate? We verify the NCCI worksheet line by line — errors here cost thousands.
General Liability Adequacy
Do your limits meet current GC requirements? With trends pushing to $3M/$5M aggregate, many roofers are underinsured without knowing it.
Completed Operations Coverage
Are you covered after the job is done? Roof leaks discovered 2 years later still come back to you. We check for gaps in your completed ops coverage.
Commercial Auto Review
Is your fleet properly scheduled? Hired and non-owned auto gaps are one of the most common exposures we find in roof-work programs.
Inland Marine / Equipment
Tools and equipment on job sites are vulnerable to theft, damage, and weather. We verify your inland marine coverage matches your actual equipment value.
Umbrella / Excess Review
Are your umbrella limits sufficient for your contract requirements? One serious claim can exceed primary limits. We ensure your excess layer is adequate.
Subcontractor Risk Transfer
Are your subs actually protecting you? We review your sub agreements, COI requirements, and additional insured endorsements for gaps.
EMR Trajectory Analysis
Where is your experience mod heading and why? We project your next EMR based on current open claims and show you how to change the trajectory.
Claims Management Review
Are open claims being managed to minimize EMR impact? We review every open claim for settlement strategy, reserve accuracy, and closure timeline.
Coverage Gap Identification
What's missing that could put your business at serious financial risk? We identify uninsured exposures most roofers don't know they have.
uncovered in most audits
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Request Your Free Audit
Fill out the form below and we'll schedule your complimentary 45-minute Cost of Risk review.
Getting Started — Your Next Steps
- Capture your results — take a screenshot or write down the key figures
- Compare these estimates against your most recent renewal notice
- Bring these numbers to your next conversation with your broker or advisor
- Ask about any hidden fees, participation requirements, or waiting periods
- Target your next renewal date as the ideal time to make any changes
Common Questions
Is this cost of risk audit really free?
How accurate are these estimates?
What should I do with these results?
What a cost-of-risk audit uncovers
The true cost of risk is more than insurance premiums. It includes claims, retained losses, administrative burden, and the inefficiencies that build up when a program is never examined as a whole. A cost-of-risk audit pulls those pieces together so an employer can see the full picture and where it is leaking money.
The value of the audit is clarity: once the total cost of risk is visible, the highest-leverage fixes, in coverage, structure, or safety, become obvious rather than buried across separate line items.
Key points:
- Insurance premiums across lines
- Claims and retained losses
- Administrative and compliance burden
- Inefficiencies from an unexamined program
For broader context, see SHRM's benefits and compensation resources.
Pair the audit view with the Benefits ROI Calculator and the Benefits Savings Strategy Builder to act on what it surfaces.
Frequently asked questions
What is the cost of risk?
The full picture of what risk costs you: premiums, claims, retained losses, and administration, not just the insurance bill.
Why audit it?
Because the total is usually spread across separate line items, hiding the biggest opportunities. An audit makes them visible.
What comes out of it?
A clear view of total cost and the highest-leverage fixes in coverage, structure, and safety.