Wedge service
Your broker sells the policies. We audit them.
An independent, conflict-free audit of every commercial insurance policy your manufacturing business pays for.
- Investment
- $18,000–$30,000 all-inclusive
- Duration
- 1 week (3 days onsite + remote audit work)
We read every line of every policy. We validate your workers' compensation experience modification rating against the work codes your floor actually performs. We identify coverage gaps in product liability, property, business interruption, cyber, directors and officers, and export-controlled product exposure. We hand ownership a documented path to either recover the overpayment or close the gap before it costs you a claim. Most engagements pay for themselves in the findings. Typical identification: ten to twenty-five percent of total annual premium spend as either recoverable overpayment or critical coverage gap.
Quick answer
The Insurance Coverage Reality Check is a 1-week independent audit of every commercial insurance policy a mid-market manufacturer carries: general liability, product liability, property, business interruption, workers' compensation, cyber, D&O, professional liability, and ITAR/export coverage. Pam Kurtz audits with no broker conflict of interest. Most engagements pay for themselves in findings, typical identification is 10–25% of total annual premium spend as recoverable overpayment or critical coverage gap. Pricing $18,000–$30,000 all-inclusive.
By Pam Kurtz · Founding Partner — Insurance Audit & Risk Coverage · Updated May 14, 2026Deliverables
What ownership has in their hand at the end.
A bound policy-by-policy audit report. Every policy reviewed, every gap documented, every recovery path scripted. Includes the language ownership needs to take to the broker, the underwriter, or to a competing carrier.
Ideal client
Mid-market manufacturer paying $150K–$800K annually in total commercial insurance premiums. Strongest fit when there has been no third-party policy review in 3+ years, when the operation has changed (product lines, facility, headcount) since the last renewal, or when ownership is preparing for M&A and needs the D&O posture validated.
Ready to put the team on your floor?
The first call is a thirty-minute conversation with Mike. No deck, no pitch. Just a clear understanding of whether the engagement is the right fit for what your business is trying to do.