The risk review big companies pay six figures for. Yours is free.
See exactly where your coverage protects you, where it leaves you exposed, and the plan to fix the gaps. A complete read of your insurance, employee benefits, and workers comp, every figure checked against your own documents.
Like having a Chief Risk Officer at your disposal.
Complimentary review
61/100
Composite readiness
Manageable
A sample score. Yours is built from your own documents.
Your risk profile, on the house
$0 No obligation to move coverage
Full risk profile across insurance, benefits, and comp
Industry benchmarking with sources
A three-phase action plan, back in three business days
No forms to fill out now, and no obligation to ever move your coverage. One short call and we take it from there.
How the review works
From scattered risk to a clear score and plan
Every policy, number, and exposure you share gets read, scored, and turned into a plan you can act on.
Scattered, unmeasured risk
Scored, with a plan
Enterprise-grade review for owner-led businesses
Three programs, one connected picture
For decades this depth of analysis was reserved for companies with an in-house risk officer, a benefits committee, and a safety director. The Program Review brings the same diagnostic to owner-led businesses, at no cost, with no commitment to move coverage.
01 · Insurance
Coverage & Gap Analysis
A policy-by-policy read of limits, exclusions, and exposure, with your liability tower mapped and renewal timing planned around your dates.
02 · Benefits
Employee Benefits Read
Medical, dental, vision, and life reviewed for cost, contribution strategy, and enrollment, benchmarked against businesses your size.
03 · Workers Comp
Experience Mod & Claims
We unpack how your premium is built, where your experience mod helps or hurts, and the claims story we tell underwriters on your behalf.
A risk officer in your corner
You walk away with a full risk profile and a plan to fix every gap.
Most agents hand you a list of problems. We hand you the documents that solve them. This is the kind of in-house risk oversight that costs large companies six figures a year in salary, delivered to you at no cost: the analysis, the benchmarking, the protocols, and a specialist network that close the gaps. Like having a Chief Risk Officer at your disposal.
Full risk profile
Your business scored across insurance, benefits, claims, and compliance.
Industry benchmarking
Measured against real peer data, with the moves that improve your score.
Phased action plan
A three-phase roadmap with a timeline for resolving every issue.
Specialist network
Access to a vetted list of legal, HR, and safety specialists when you need them.
Sample deliverable
What your finished review looks like
This is the actual report you receive, powered by the Greyhawk Risk Readiness Methodology. Only the numbers are an illustrative sample; yours come from your own documents. Not a quote and a handshake, but a scored, sourced, documented risk program. Click through, or let it advance on its own.
Where your programs stand today, in your own numbers
Every figure is pulled from the documents you provide and verified to its source before it reaches you.
61/100
Composite Readiness · Manageable
$148,200
P&C Program Premium (verified)
$171,000
Benefits Spend (annualized)
0.82
Experience Mod (final)
22
Claims in 6 Years · $0 Open
30 days
To the 7/1 Renewal
You have built a clean, well run business, and the documents prove it: an experience mod of 0.82 that beats the top quarter of California employers, 22 claims in six years with every one closed and zero dollars outstanding, and five straight years of steady revenue. The program wrapped around that business is the weak layer. That is exactly what this review fixes.
Representative sample. Your review reflects your business, your documents, and your benchmarks.
The Greyhawk Risk Readiness Methodology scores six areas of your operation on dials that read like a speedometer: higher is better. The composite is the average of the six gauges, and each carries a confidence level, the share of its score backed by real evidence rather than assumption.
61/100
Composite · Manageable
Strong 70 to 100
Manageable 45 to 69
Elevated 25 to 44
Critical 0 to 24
74
Insurance Coverage & Design
Strong
medium confidence
80
Workers Comp Performance
Strong
high confidence
38
Claims Management & Advocacy
Elevated
high confidence
58
Employment Practices & HR
Manageable
low confidence
64
Benefits & Compliance
Manageable
medium confidence
52
Documentation & Reporting
Manageable
medium confidence
Section 02 · How the Score is BuiltIllustrative sample · Specialty Trade Contractor
Nothing is a black box, for you
Most coverage reviews are an opinion. The Greyhawk Risk Readiness Methodology scores every gauge from your documents, and in your review you see each input, its evidence, and the weight behind it. Here is the structure of the Insurance Coverage gauge.
Input we evaluate
What we check
Evidence basis
Weight Locked
Coverage gaps
Lines an operation like this normally carries
Measured
0.22
Limit adequacy
Carried limits versus recommended on every line
Measured
0.18
Carrier financial strength
Every carrier rating verified, not assumed
Assumed
0.16
Forms & endorsement schedules
Where the exclusions actually live, read before binding
Baseline
0.14
Sublimit adequacy
Sublimits checked against real exposure
Assumed
0.12
Policy continuity
Continuous coverage confirmed on claims-made lines
Measured
0.10
The exact weights, penalties, and the full input model are revealed in your review, never in public. We show the rigor of the method, not the recipe a competitor could copy.
Gauge score 74 of 100. Every point traces to a document.An evidence basis on every input: measured, benchmark, baseline, or assumed. Never a guess.
The Greyhawk Risk Readiness Methodology. Each gauge also carries a confidence level: the share of its score backed by real evidence rather than assumption.
Every benchmark shows the scale, what it measures, where the figure comes from, and the specific programs we deploy to move it. Recordable injury rate, your most quoted safety number.
You · 2.4
0.9 Sector top quartile
1.8 Trade sector average
2.7 All private industry (BLS)
You: 2.4
0.9 · Sector top quartile
1.8 · Trade sector average
2.7 · All private industry (BLS)
What this measures
How many OSHA-recordable injuries and illnesses a company generates per 100 full-time workers per year. The single most quoted safety number in underwriting.
Where it comes from
BLS Survey of Occupational Injuries and Illnesses, Table 1 (bls.gov/iif), routed to your trade sector. Workers comp class data from NCCI and WCIRB California.
How Greyhawk moves this
We deploy a targeted safety and reporting program that moves you toward the top-quartile mark, then certify the improvement each year so it shows up in your renewal. The specific playbook is built into your plan.
Sources: Greyhawk’s 160-source benchmark catalog, including BLS, WCIRB California, NCCI, and NIOSH. Sample figures shown.
Your in-force program, by line, so you can see exactly what every dollar buys.
Premium by coverage line
In-force program, current term
$148,200
Total Premium
7
Active Policies
3
Carrier Partners
43%
In Workers Comp
The read: workers comp is the largest line, which is exactly where the experience mod work pays off most.
Lines shown: Workers Comp, General Liability, Commercial Auto, Property and BOP, Umbrella, Inland Marine. Figures are gross premium by line; the workers comp number net of credits appears on the workers comp slide.
Twelve findings, ranked by urgency. Each opens into the same four answers, plus the documents we hand you. Here is a Critical one in full.
2
Critical
5
High
3
Medium
2
Low
CriticalNo written claim-reporting protocol
What it means
There is no documented procedure for getting an incident from your field to the carrier. The loss runs prove the consequence: one liability claim sat 120-plus days before notice reached the carrier.
Why it matters
Late notice is one of the few ways a valid claim gets contested. It inflates settlement values and quietly damages your renewal story every year it persists.
What we will do
Deploy Greyhawk’s 72-hour reporting protocol: one page, wallet cards for crew leads, your broker’s direct line as the first call. In place before binding.
Documents we provide on your behalfClaim Reporting ChecklistAccident Investigation Form72-Hour Wallet Cards
Estimated exposure
Unquantified by design: the cost of late notice arrives with the next claim. The protocol itself costs you nothing from the Greyhawk library.
How your limits stack, and where we recommend raising the ceiling before renewal.
Umbrella · $5M each occurrence
Recommend raising to $10M
General Liability · $1M / $2M
Adequate for current operations
Commercial Auto · $1M CSL
Adequate
Employers Liability · $1M
Standard WC stop
Recommended ceiling
The read: a $5M umbrella is light for a contractor carrying auto and jobsite exposure. Moving to $10M is inexpensive at this layer and closes the gap most certificates of insurance now demand.
Sample limits. Bar widths illustrate relative limit, not to scale.
A clean, closed history is leverage at renewal. Here is the picture underwriters see.
Incurred by policy year
Total incurred, all lines
What drove the claims
By cause of loss
The read: no open claims, nothing severe, and the most recent year the lowest in six. Every datable claim is verified to its loss run. That is the story we put in front of carriers to earn schedule credit.
From manual premium to the number you pay, with every modifier shown.
Manual premium
$87,300
Experience mod credit
−$16,400
Schedule credit
−$6,900
Net WC premium
$64,000
The renewal story we tell underwriters on your behalf: a 0.82 experience mod, better than the WCIRB top-quartile marker of 0.85, is worth roughly $16,400 a year against subject premium. The current underwriter already grants a schedule credit worth another $6,900. Total credits run about $23,300 below manual. This is the single most credible endorsement of how you operate, and the lever we protect.
Representative build, benchmarked to WCIRB California experience-rating data. Your review reconstructs your rating from your own WCIRB worksheet.
What you offer, what it costs, and how your contribution strategy compares to peers.
Medical
PPO + HMO
Dental
Voluntary
Vision
Voluntary
Life
Employer paid
$171,000
Annualized Spend
18
Enrolled Employees
72%
Employer Contribution
The read: a competitive package for the trade. We flag one plan where a contribution adjustment holds the same take-home for staff while trimming employer cost.
A three-phase strategic action plan, with a timeline
The whole strategy in one place: what gets fixed at renewal, what gets built in the 90 days after, and the service rhythm that keeps your record earning credits. Each phase shows who owns what.
1
2
3
Phase 1 · Now
Now to Renewal
Phase 1 · Fix the structure
Work the remarket, demand rating-verified paper and complete forms schedules, re-place the excess, and quote the missing lines: cyber, EPLI, and property.
Greyhawk Files the market, delivers the 72-hour claim protocol.
You Answer 12 questions, send the document list.
Phase 2 · 90 days
Days 1 to 90
Phase 2 · Build the program
Stand up the documentation and safety programs: IIPP, Heat Illness, Return-to-Work, and the cyber baseline. Benchmark the benefits contribution.
Greyhawk Provides every template, branded and ready.
Joint Roll out to your crew on one call.
Phase 3 · Quarterly
Quarterly, ongoing
Phase 3 · Protect the credits
The service rhythm that keeps the record earning: training cadence, claims advocacy, renewal positioning, and an annual re-score of the whole program.
Greyhawk Pre-renewal packet, annual re-score.
Joint Quarterly check-in and tabletop.
Sample plan. Your Go-Forward Program is built from your verified findings, with real dates tied to your renewal.
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Gaps, exposures & compliance
Every gap, explained the same four ways
We do not just flag what is missing. For each gap we tell you what it means, why it matters, what we will do, and the dollar exposure, then we hand you the documents and protocols that close it.
1
What it means
The gap in plain language, tied to a specific document in your file or its absence. No jargon, no guessing.
2
Why it matters
The real-world consequence, and how it quietly costs you at claim time or renewal if it persists.
3
What we will do
The exact fix, with the documents and protocols Greyhawk prepares and provides on your behalf.
4
Estimated exposure
The dollars at stake, measured where the data allows and labeled plainly where it cannot.
CriticalNo written claim-reporting protocol
What it means
There is no documented procedure for getting an incident from your field to the carrier. The loss runs prove the consequence: one liability claim sat 120-plus days before notice reached the carrier.
Why it matters
Late notice is one of the few ways a valid claim gets contested. It inflates settlement values and quietly damages your renewal story every year it persists.
What we will do
Deploy Greyhawk’s 72-hour reporting protocol: one page, wallet cards for crew leads, your broker’s direct line as the first call. In place before binding.
Estimated exposure
Unquantified by design: the cost of late notice arrives with the next claim. The protocol itself costs you nothing from the Greyhawk library.
The documents and protocols we provide on your behalf
Closing a gap is not a homework assignment we hand back to you. Greyhawk maintains a curated library of 40-plus branded safety, HR, and compliance documents, prepared and ready to deploy across your team. Most agents hand you a list of problems. We hand you the documents that solve them. A sample:
0+
Documents and protocols
0
Curated categories
0+
Pages, branded for you
Safety
Injury & Illness Prevention (IIPP)
Heat Illness Prevention Plan
Workplace Violence Prevention
Monthly Toolbox Talks
Employee Safety Handbook
and more
HR & Compliance
Employee Handbook Template
Hiring & Onboarding Packet
Harassment Policy & Training
Meal & Rest Break Policy
Termination Checklist
and more
Claims
Claim Reporting Checklist
Accident Investigation Form
72-Hour Reporting Wallet Cards
Witness Statement Form
and more
Cyber
Cyber Baseline Checklist
Incident Response Plan
Acceptable Use Policy
Wire Transfer Verification
and more
Workers Comp
Return-to-Work / Modified Duty
Light-Duty Job Bank
Experience Mod Worksheet
OSHA 300 Log Guide
and more
Benefits
Open Enrollment Guide
Benefits Summary One-Pager
ACA Compliance Calendar
New-Hire Eligibility Letter
and more
The Greyhawk Resource Library. Every document branded to your business, prepared and deployed on your behalf, at no cost.
What you walk away with
A complete risk profile. A clear plan. A team behind it.
Comprehensive risk profile
Your business scored and analyzed across insurance, benefits, claims, and compliance. Policy by policy, line by line.
Industry benchmarked
Every metric compared to current peer data for your trade and size, with the specific moves that improve each score.
Three-phase action plan
A sequenced roadmap with a timeline for resolving every gap, plus the documents and protocols that close them.
Access to specialists
A vetted list of legal, HR, and safety specialists you can call on. It is like having a Chief Risk Officer at your disposal.
No forms. No obligation.
Ready to see your risk profile?
$0The depth a large company pays a consultant for. Your cost: nothing. No obligation to move coverage.
A full risk profile and a phased plan to fix every gap
Industry benchmarking, with the moves that improve your score
Access to vetted legal, HR, and safety specialists
Your finished review, back in three business days
Most useful in the weeks before your renewal, while there is still time to act on what it finds. Three business days from your intro call to the finished report.
Here is how it works from here. Your total time is about an hour, spread across two short calls. There is no charge, no subscription, and no commitment to move coverage.
1
Intro call, 15 minutes.We confirm scope and gather the handful of documents the review needs.
2
Review and analysis, three business days.Our insurance, benefits, and workers comp specialists build your report. You do nothing during this stretch.
3
Findings meeting, 45 minutes.We walk you through the full review, the benchmarks, and the three-phase action plan.
