Geneva Risk Advisory
Risk advice first. Placement second.
Most agencies sell policies and call it advice. Geneva Risk Advisory works the other way around: we map what could actually hurt you, measure what protection really costs, and only then place coverage — one tool among several. The deliverable is a decision you understand, not a quote you tolerate.
Risk Assessment & Coverage Audit
A complete inventory of what you’re exposed to, set against what your policies actually say — what’s covered, what’s assumed, and what’s silently excluded. Most engagements start here, and most find something material.
Total Cost of Risk Review
Premiums are only the visible cost. We add retentions, deductibles, uncovered exposure, and claims friction into one number you can manage — then show which lever moves it most. Sometimes that lever isn’t a policy at all.
Coverage Gap Analysis
The losses that ruin businesses are usually the uncovered ones — water backup, cyber, hired auto, an uninsured subcontractor. We map your gap list in plain language, ranked by severity, with the cost to close each one.
Contract & Insurance-Requirements Review
Leases, loan covenants, vendor agreements, and GC contracts all make insurance demands — additional insureds, waivers of subrogation, specific limits. We read them before you sign, so a clause never becomes a claim surprise.
Claims Advocacy
From first notice of loss through final settlement, we stay in the file — coordinating with adjusters, contesting low offers, and keeping you informed. Advocacy after binding is the half of the job most agencies quietly drop.
Renewal & Distressed-Account Strategy
Non-renewed, mid-term cancelled, or quoted at multiples of last year — we re-market with full context and corrective-action narratives, and plan the milestones that bring hard accounts back to standard markets.
The Geneva Risk Review
Every engagement runs the same four-step framework: Listen (a real conversation about your operations, assets, and contracts), Audit (your current policies read line by line against your real exposures), Advise (a clear recommendation with side-by-side options and our honest view), and Review (annual reviews, proactive updates, and advocacy when a claim tests everything we built). This is how we run every client relationship — not a paid consulting add-on.