Comprehensive Insurance Program Audit
A generic quote often ignores the specific contractual and operational risks your business faces. At 4J Insurance Agency, we provide a disciplined Insurance Program Audit to identify hidden gaps, eliminate redundant costs, and ensure your coverage aligns with your current scale.
Why a Professional Audit is Essential
Business operations evolve, but insurance policies often remain static. Specifically, an annual review is critical for firms handling complex contracts or regulatory requirements. Our Insurance Program Audit goes beyond a simple price check to evaluate the structural integrity of your protection. Whether you are reviewing your Commercial General Liability or looking for gaps in your property coverage, a methodical approach is required.
Common Issues we uncover during a review include:
- Contractual Misalignment: Ensuring your policy meets the specific requirements of your Master Service Agreements (MSAs)
- Classification Errors: Identifying misclassified payroll or operations that lead to overpayment in Workers’ Compensation.
- Cyber Exposure Gaps: Verifying that your liability limits match the actual volume of sensitive data your firm manages
Best Fit
- Established professional service firms
- Organizations with recurring contracts, MSAs, or client-required insurance language
- Leadership teams that want fewer surprises when claims or disputes occur
- If you are only looking for a quick price quote, this page is not the best fit.