Pam Kurtz

Pam is the partner who reads every line of every insurance policy your business is paying for. And tells you, in plain English, what you are actually covered for, what you are overpaying for, and where the gaps are that your broker has not mentioned.

After fifteen years in the insurance industry and her ongoing role running the administrative side of WERCS as on-paper owner, Pam knows how policies get written, how brokers sell, how carriers quietly reclassify at renewal, and how mid-market manufacturers bleed premium dollars year after year without realizing it. She is not a broker. She does not sell policies. She audits them. That distinction is the entire point.

On your engagement, Pam audits every commercial policy your business carries: general liability, product liability, property, business interruption, workers' compensation, cyber, directors and officers, professional liability, and any export-controlled product coverage. She validates your workers' compensation experience modification rating against the work codes your floor actually performs. She identifies coverage gaps in product liability for the specific products you make. She reviews property and business interruption valuations against the facility you actually operate today, not the one your broker quoted three renewals ago. She hands ownership a documented path to either recover the overpayment or close the gap before it costs you a claim.

She spends three days onsite during the assessment phase, walking the floor with Lorrie to validate workers' compensation classifications and the actual exposures the business runs. The remaining audit work happens remotely, with daily check-ins to ownership and the controller. Most engagements pay for themselves in Pam's findings alone. She typically identifies between ten and twenty-five percent of total annual premium spend as either recoverable overpayment or critical coverage gap.