Argo Insurance Partners

Your insurance broker should work for you—not their carrier.

How independent brokers find coverage gaps, reduce premiums, and actually answer the phone between renewals.

Sound Familiar?

This is what "service" looks like with most bank-referred brokers

January–October Radio silence. You assume everything's fine. (It might not be.)

November One phone call: "Your renewal's ready. Premiums went up 8%. Sign here."

December You sign. You pay. You wonder if you're overpaying or underprotected. Repeat.

The Access Problem

Bank brokers represent a handful of carriers. We represent you.

Typical Bank Broker

5–10

carriers they can quote

Argo Insurance Partners

60+

carriers competing for your business

Before We Quote

We audit first. Quotes come second.

Most brokers skip straight to pricing. We spend 2–3 hours reviewing your entire risk profile—because you can't fix what you haven't found.

WC

Workers' Compensation

Classification codes, experience mods, return-to-work programs

GL

General Liability

Per-occurrence limits, aggregate gaps, additional insured requirements

PR

Property

Replacement cost accuracy, business interruption, equipment breakdown

CY

Cyber Liability

First-party vs third-party coverage, ransomware sub-limits, notification costs

EP

EPLI

Wage & hour exclusions, third-party coverage, defense cost structures

DO

D&O

Side A/B/C coverage, insured vs insured exclusions, extended reporting

Real Audit Findings

What we find when we actually look

These are composites from recent audits. The numbers are representative—and they're not unusual.

120-employee SaaS company

Cyber Gap Discovered

$2M

Policy had $1M cyber limit—but first-party breach costs alone were modeled at $2.8M. Ransomware sub-limit was only $100K.

85-employee regional distributor

Duplicate Coverage

$34K/yr

Paying for inland marine on two policies. Equipment breakdown covered under both property and a standalone policy. Nobody noticed for 4 years.

200-employee manufacturing firm

Underinsured Property

$4.2M

Building replacement cost hadn't been updated since 2019. Post-pandemic construction costs made them 40% underinsured.

Why Independence Matters

More carriers means better coverage at better prices

7

Captive Broker

60+

Argo Insurance Partners

Translation: When Hartford isn't competitive on your workers' comp, we move to Travelers. When Chubb has the best cyber terms, we go there. We don't have a quota to hit with any carrier—just you.

The Relationship

A dedicated risk advisor who knows your business

Not a call center. Not whoever picks up the phone. One person who understands your operations, your risks, and your goals.

Quarterly check-ins

Scheduled calls to review claims, exposures, and any business changes that affect coverage

Direct cell phone access

Claims at 10pm on a Saturday? You call your advisor directly—not an 800 number

Contract review

New lease? Vendor agreement? We review insurance requirements before you sign

90-day renewal runway

We start marketing your renewal 90 days out—not 30. More time = better options

Outcomes

What this looks like in practice

Client since 2022

Regional HVAC contractor • 180 employees

-14%

Premium

+$2M

Umbrella

Moved from a captive broker who'd had the account for 11 years. Found they were classified wrong on workers' comp (wrong NAICS code) and had no pollution liability despite underground tank work.

Client since 2021

B2B SaaS company • 95 employees

-22%

Premium

+$3M

Cyber

Previous broker had them with a single carrier for everything. We broke it up: cyber to a specialty market, EPLI to another, GL/property bundled. Better coverage across the board, significantly lower total cost.

Next Step

Let's find out what you don't know about your coverage

Book a no-obligation coverage audit. We'll review your current policies, identify gaps and overlaps, and show you what the market looks like—whether you move forward with us or not.

Schedule Your Coverage Audit

Takes 30 minutes. No commitment. Genuinely useful even if you stay where you are.

Argo Insurance Partners

30 advisors serving mid-market businesses nationwide

hello@argoinsurance.com • (555) 123-4567