The Advisory Protocol

Four steps. Zero policy-pitching until step three.

Most brokers start at placement. We start at exposure. Here's how an engagement actually runs.

01

Assess

We diagnose your real exposure across operations, contracts, headcount, revenue, and current coverage. The Risk Score is the entry point — but the assessment goes deeper for active engagements.

Deliverable · Written risk brief · 5–10 pages

02

Design

We architect a coverage program tailored to your operations — limits, layers, endorsements, exclusions. We model deductible strategy, premium efficiency, and which carriers fit your class of risk.

Deliverable · Coverage blueprint

03

Place

Carrier-neutral placement through A+ rated standard markets and wholesale partners. We negotiate terms, retentions, and endorsements rather than accept off-the-shelf forms.

Deliverable · Bound program · binders & COIs

04

Steward

Audits, renewals, certificates, mid-term endorsements, claims advocacy. We run quarterly reviews and renewal strategy sessions, not annual surprises.

Deliverable · Ongoing advisory relationship

Advisor vs. Broker

Two very different jobs.

Traditional broker

  • ·Sells a policy
  • ·Compensated by carrier commission
  • ·Annual renewal cycle
  • ·Quote-driven conversation
  • ·One carrier loyalty

ClearCover Advisory

  • →Designs a program
  • →Compensated for advisory outcomes
  • →Continuous risk stewardship
  • →Exposure-driven conversation
  • →Carrier-neutral by mandate

Timeline

From first call to bound program: 10–21 days.

For most NYC operators, we complete Assess + Design within the first week, and Place within two to three weeks depending on carrier underwriting depth. Stewardship begins the day your policy binds.

Start with the Risk Score→

Start here

Find out where you're exposed.

Take the 4-minute assessment. An advisor reviews every result personally — no quote engine, no sales call queue.

Begin my Business Risk Score→