The Service Standard says what to expect from your commercial brokerage. This page shows what each piece looks like in practice. The dates on the calendar, the sections in the report, the steps in the workflow, the agendas in the room. Specifics, not slogans.
Day-120 is the start of the cycle. Not a target, not a best case. Every milestone below populates the moment your AOR clears or your account is bound.
ARIA re-ingests every policy on file. The gap analysis from last year is updated against this year's exposure profile, new endorsements, and current market conditions.
Ryan walks through the updated gap analysis on a 45-minute call. Decisions: which gaps to close at this renewal, which to revisit mid-term, which to accept and document.
Loss runs requested, application updated, supplementals drafted. ARIA produces the clean, complete, professional package every carrier needs to evaluate and quote.
Submission routed to the carriers across the Smart Choice network whose appetite matches your class, size, geography, and loss history. You see the live marketing dashboard.
Every quote normalized into one comparison. Premium, limits, retentions, sublimits, exclusions, terms. ARIA flags the traps. Ryan presents the recommendation.
Final terms reviewed with you on a 30-minute call. Carrier chosen. Endorsements requested. Certificates pre-staged.
Ryan signs the bind. Binder delivered same business day. New COIs generated. Next year's day-120 already on the calendar.
ARIA re-ingests every policy on file. The gap analysis from last year is updated against this year's exposure profile, new endorsements, and current market conditions.
Ryan walks through the updated gap analysis on a 45-minute call. Decisions: which gaps to close at this renewal, which to revisit mid-term, which to accept and document.
Loss runs requested, application updated, supplementals drafted. ARIA produces the clean, complete, professional package every carrier needs to evaluate and quote.
Submission routed to the carriers across the Smart Choice network whose appetite matches your class, size, geography, and loss history. You see the live marketing dashboard.
Every quote normalized into one comparison. Premium, limits, retentions, sublimits, exclusions, terms. ARIA flags the traps. Ryan presents the recommendation.
Final terms reviewed with you on a 30-minute call. Carrier chosen. Endorsements requested. Certificates pre-staged.
Ryan signs the bind. Binder delivered same business day. New COIs generated. Next year's day-120 already on the calendar.
Forty pages. Eight sections. Every coverage laid out plainly, every limit, every retention, every named endorsement. And the open questions for the year ahead.
Two pages. What's covered, what changed this year, what's open for next year. Written for the C-suite to read in five minutes.
Every line, every carrier, every limit, every retention, every premium. One page, one table, every fact verifiable.
Every endorsement added, every limit moved, every carrier transition. With the why behind each decision.
Every coverage gap ARIA flagged across the coverage, with the page-cited exclusion language and the recommendation.
Every claim filed, every claim closed, paid amounts and reserves. Loss-ratio trend by line.
Where your premiums sit against companies your size and class. 25th, 50th, 75th percentile, by line.
Renewal calendar for the next twelve months. Known exposures the coverage will need to address.
Items left undecided this cycle, with the trade-offs and the decision-makers. Nothing buried.
One person. Not a queue, not a 1-800 line. Accountable for advocating with the carrier the day a claim hits. The steps below are the standard workflow on every non-trivial claim.
One inbox, one named human. Voicemail, email, portal. Whichever you choose. We acknowledge within the hour, in business hours.
We draft the FNOL with the facts you provided and the policy details we already have on file. Routed to the carrier's claims unit with a copy to you.
We meet the adjuster early, confirm the coverage applies, and document the position. If the carrier raises a reservation of rights, we surface the language and recommend counsel.
A standing weekly check-in until the claim closes. ARIA logs every conversation. You see the full thread in your portal.
What was paid, what was denied, what was learned. Filed against the coverage record so the next renewal can speak to the loss history honestly.
Forty-five minutes per quarter, on a calendar invite, with an agenda set a week in advance. The exposure profile moves; the coverage has to move with it.
Walk through the year's new coverage. Confirm certificate templates, claims contacts, billing setup. Flag the first quarter's exposure changes.
Any new locations, new contracts, new vendors, new areas of coverage? Endorsements requested before they're forgotten.
First read on next year's coverage. What's likely to harden, what's likely to soften, what to start gathering for the submission.
Day-120 of the next cycle. ARIA re-reads every form, the gap analysis updates, the calendar populates with the full milestone set.
Run the Snapshot to see what ARIA finds today, or sit with Ryan and put this calendar to work on your next renewal.
Five fields. ARIA returns a first read on your coverage before you've shared a contact detail.
A licensed Risk Strategist on the call. The same first read, walked through by the human who will sign every bind.
Nothing binds until a licensed Risk Strategist signs the placement
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