Passionate – Professional – Focused on Savings
Renewing Your Insurance Shouldn’t Be a Mystery!
But if you don’t know what to watch out for — it will cost you!
Lower Your Renewal Quotes By As Much as 55%
Our Consultants Provide a stress-free Renewal
You shouldn’t have to feel like brokers are hiding things from you or that you’re paying more premium than you need to. That’s why we’ve crafted an insurance renewal experience you can feel confident about. Seriously, that’s what we do for you! Our strategic process of Negotiation & Renegotiation with all your brokers will put you back in the driver’s seat. When the dust finally settles — you’ll be assured that you bound coverage with the best broker, purchased the best policy available, and paid the least amount of premium possible.
Reduce Your Insurance Costs by as much as 55%
We accomplish this by “policing” the brokers, strategically assigning carriers to the agents most likely to achieve the desired result, fostering competition between brokers (including wholesalers and underwriters), and through our highly-effective Negotiation & Renegotiation techniques.
We Do Not Sell Insurance
Insurance Consultants are not appointed with any insurance carriers and we do NOT receive any commissions or “kick backs” from the insurance carriers. We are wholly unbiased, fee-based Insurance Consultants — paid directly by you the insured, our client — so that our objectives are always 100% fully aligned with yours.
My name is Charles Specht and I’ve been the CEO of Constructive Risk since 2011. I’m a Certified Insurance Counselor, a Certified Debt Arbitrator, and currently serve as the Lead Advisor to the Steel Framing Industry Association.
I started my career as a broker in 2000 and sold insurance for ten years before founding Constructive Risk. I was an Area VP with the 4th largest broker in the world and produced & serviced a Construction Book of Business of over $1,100,000 in annual revenue to my agency. I was the sole endorsed broker for the American Subcontractor’s Association of California, the Steel Framing Alliance, and the Career Management Alliance.
In 2022, we launched our Network of Insurance Counselors all across the USA and Canada. We currently have dozens of consultants serving the construction industry.
We’ll show you how to better manage the insurance policy renewal process, all the while either keeping your current broker — or if it best serves your business — help you select a much better broker from our Network of pre-qualified construction insurance agents.
Serving as your Guide throughout the entire insurance policy renewal process, our #1 goal is to match you with the best broker possible (which may even be your current broker) and to negotiate with all vendors on your behalf to save you time, give you peace of mind, and help you save up to 55% annually on your business insurance costs.
FAQ’s
When you’re ready to move forward and save on your insurance costs, click here to schedule a complimentary call with our CEO, Charles Specht.