For 50-500 person teams renewing commercial or cyber insurance in the next 60-180 days. We turn broker emails, applications, COIs, and security evidence into one readiness score, one working folder, and a clean submission plan.
Updated D&O application DOC-114 · finance | Missing |
SOC 2 Type II — current DOC-208 · security | Expired |
MFA coverage attestation DOC-301 · IT | Missing |
Loss runs (5-yr, all carriers) DOC-022 · broker | Received |
Vendor list w/ access scope DOC-415 · security | Partial |
Beazley — incident response retainer? Q-041 · cyber · due 19 May | Due |
Chubb — wire transfer controls Q-038 · crime · due 22 May | Overdue |
Travelers — overseas FTE count Q-029 · WC · due 28 May | Drafting |
Hartford — fleet additions Q1 Q-014 · auto | Answered |
AIG — board composition update Q-009 · D&O | Answered |
| MON · 12 | Send updated D&O application to broker | Owner: CFO |
| TUE · 13 | Draft answers for Beazley IR retainer question | Owner: CISO |
| THU · 15 | Refresh loss runs from Chubb broker portal | Owner: Ops |
| FRI · 16 | Pull MFA coverage report from Okta + Google | Owner: IT |
Founders, COOs, CFOs, Heads of Ops, Legal Ops, and security owners use this when renewal is close enough to matter and the work has escaped the spreadsheet. The score review is designed to decide fit quickly, not drag you into a sales cycle.
Last cycle's renewal came back 30–80% higher and nobody has a clean narrative for the carrier yet.
Evidence requests are arriving in three Slack threads, two inboxes, and a shared drive nobody owns.
The security team has answered most of it three times across three carriers. Nothing is reusable yet.
Customers want certificates with specific endorsements and the turnaround is now measured in weeks.
New product, new geography, new FTE count, new vendor, new SOC 2 — and the application doesn't reflect any of it.
Finance wants a one-page narrative for the board. You don't have one. Renewal is 11 weeks away.
The diagnostic is built around one concrete promise: turn scattered renewal work into a reusable operating packet before your broker/carrier submission window. Every file is plain, portable, and owned by you.
A one-page command-center view of every policy in scope: carrier, premium, limits, retentions, renewal date, status, owner.
Itemized list of every document the application and supplemental questionnaires require — flagged by what's received, expired, partial, or missing, with owner and target date.
The shape of the evidence binder underwriters will ask for: MFA coverage, EDR posture, backup cadence, IR plan, vendor risk, SOC 2 status, prior incidents.
Every open question across every carrier and broker thread, with owner, due date, status, and the canonical answer once it lands. No more Slack archeology.
The shortest credible path from "11 gaps" to "ready to submit," sequenced against your renewal calendar. Annotated where licensed partners need to weigh in.
One page for the CEO, CFO, and COO: what's covered, what's exposed, what changed, what the renewal narrative will be, and what we're asking the board to approve.
Async between sessions. Total executive time required from your team: roughly 90 minutes across the engagement. Total time from a designated coordinator (Ops, Legal Ops, or Chief of Staff): roughly 4–6 hours.
60-min call. We map stakeholders, lines of coverage, and grant access to your existing drive / Notion / broker portal.
We pull and catalog every policy, COI, prior application, loss run, and outstanding broker email.
Compare what carriers will require this cycle against what exists. Missing materials list and Q&A tracker stand up.
30-min working session with security/IT. We frame the cyber evidence packet and identify what already lives in your GRC stack.
Anything that looks coverage-sensitive is marked LICENSED REVIEW and routed to your broker, never decided by us.
Executive summary, remediation plan, and 7/14/30-day calendar drafted. Internal QA against the underwriter checklist.
45-min walkthrough with CEO/CFO/COO and Ops. You own every artifact and the working folder, forever.
If you don't have a broker, we can introduce two or three from our partner network. The diagnostic stays the same either way. We never collect a commission, override, or referral fee on placement.
Fictional company. Real document structure. Anything flagged Requires Licensed Partner Review is routed to your broker — Oread does not interpret it.
Northwind's 2026 renewal lands against a hardening cyber market and a 38% revenue growth year. The story for underwriters is: headcount up 41%, MFA coverage now 98% (was 71%), SOC 2 Type II completed Q4, zero material incidents. Two open exposures — overseas FTE expansion (UK, 14 heads) and a new third-party data processor — require coverage-sensitive review by licensed partner before submission.
The first step is just a short email. Send your renewal month, policy types, and the biggest thing slowing the renewal down.
Most teams we work with are 50-500 FTE, somewhere between Series B and pre-IPO, with renewal somewhere on the calendar in the next four months. They've outgrown the spreadsheet and don't have a dedicated insurance hire yet.
Probably not a fit if your renewal is more than six months away, you need coverage advice rather than operations help, or you only need a certificate of insurance issued.
Send the renewal month, policies in scope, and the biggest renewal headache. We reply with a quick fit read and a plain next step. If the diagnostic is not useful, we say that plainly.
The first reply is just a quick fit read: whether the renewal readiness diagnostic is likely useful, what we would need next, and whether a fixed-fee scope makes sense.