Property, casualty and specialty coverage for owners and operators nationwide. We shop the market, show you everything we found, and manage your program all year.
Get a second opinion on your insuranceMost insurance relationships run on a 90-day cycle. Panic before renewal. Silence the rest of the year.
I have been on the buying side of that. Most of us at Centered have. We have started, run and sold companies of our own.
Here is what we learned from that chair: a renewal quote tells you what the policy costs. It does not tell you whether the policy fits the business you run today.
So we start with your business, not your expiring policy. What changed. What is coming. Where the gaps are. Then we take it to market and show you everything we found, including the parts that do not flatter us.
Fewer surprises. Cleaner terms. A program you actually understand.
Buildings, equipment, inventory and business interruption, built around how your operation actually runs. Not copied from a package form.
The foundation of the program. We look past the premium to the terms, the exclusions and the structure, because that is where claims get decided.
Your experience mod is a monthly metric, not an annual surprise. Accurate classifications, claims advocacy and return-to-work coordination.
Fleets, owned and hired vehicles, and drivers. We help you put your safety and driver data in front of underwriters so it counts.
Higher limits over your primary policies, with layered structures where they make sense so one large verdict does not become a balance sheet problem.
Breach response, business interruption and liability for the systems your business runs on. We help you document the controls carriers want to see.
Protection for your directors and officers, your employment practices and your benefit plans. A pending acquisition or capital raise changes this exposure, and we keep watch on it.
Errors and omissions coverage for the advice and services you deliver, sized to your contracts and your clients' expectations.
Contract and commercial bonds treated like what they are: a credit line. Explore surety bonding →
We built the Client Centered Cycle because a once-a-year transaction is the wrong shape for something this important.
Six phases. Learn and align. Educate. Manage risk. Strategize. Monitor. Review. Then we do it again, with a three to five year coverage strategy guiding the whole thing.
The phase most brokers skip is the middle of the year. That is where we spend real time. See the Client Centered Cycle →
Generic coverage fits generic businesses. Yours probably is not one.
Property, workers' comp and balance sheet tools for mid-market manufacturers, from a team that has run plants.
Your properties, your coverage and your financing working from the same plan.
Insurance, capital, M&A and benefits from people who have invested in and scaled HVAC companies.
Bank-specific P&C, benefits and BOLI, built by former bankers.
Your benefits and your P&C program should talk to each other. Ours do.
Maybe a renewal jumped. Maybe a claim went sideways. Maybe you just want a straight read from someone who has nothing to gain by telling you it is fine.
Send it over. We will tell you plainly what we see.
Start a conversation →