Insurance Consulting

Insurance should not be treated like a commodity. Moreover, when it comes to general or civil construction, insurance and risk management should be a big part of the conversation. TSIB is not a generalist. We are rooted in construction and have the experience to back it up.

Our consultants understand the nuances of construction contracts, evolving risk exposures, and regulatory obligations. We have managed over $150 billion in construction volume — from infrastructure and high-rises to civil works — giving us insight into scenarios that others have not experienced.

We identify coverage gaps and misalignments others might miss — whether it is a hidden exclusion, unclear indemnity clause, or missing endorsement.

At TSIB, we provide independent insurance consulting services to public entities, including municipalities, school districts, transportation authorities, and special purpose districts, helping them manage risk while maximizing public resources.

Our consultants serve as an extension of your risk management team, offering expert guidance on coverage structure, self-insurance options, broker accountability, and claims handling. Whether you are navigating liability concerns, workers’ compensation programs, or large-scale infrastructure projects, we ensure transparency, compliance, and fiscal responsibility across your entire insurance program.

For the real estate industry, TSIB supports owners, developers, and property managers with specialized insurance consulting tailored to the lifecycle of real estate assets—from acquisition and construction to leasing and portfolio management.

We help clients mitigate exposure through strategic policy reviews, OCIP/CCIP program evaluations, contract risk transfer, and ongoing claims oversight. Our goal is to align insurance coverage with your operational risks, protect asset value, and improve terms and pricing through data-driven negotiation and market expertise.

We guide you in every phase of the insurance lifecycle — with hands-on, practical advice:

• Policy & Contract Review: We translate dense policy and contract language into actionable insight. We flag risks like vague “occurrence” definitions or broad warranty clauses — and recommend precise fixes to avoid future disputes.
• Program Structure & Placement: We guide optimal coverage design, from layering Umbrella/Excess to negotiating terms. We also assist with marketing — working through your broker to secure competitive bids from multiple carriers, enhancing pricing and coverage.
• Claims Advocacy: When a claim arises, we do not step back — we step in. TSIB helps you notify, document, and negotiate with insurers to ensure fair outcomes. We often coordinate with legal counsel, forensic experts, and adjusters to maximize recovery and minimize disputes. Our claims teams will tell you that proactively managing your claims can result in a 25% to 30% reduction in your claims costs. Driving those kinds of results is what we do.
• Environmental Health & Safety Consulting: We review your existing safety protocols to identify gaps, enhance effectiveness, and support compliance with industry standards. Add this service to your insurance advisory program for a more complete risk management picture.

What sets TSIB apart? Access.

• Always On Call: Need a quick review of a subcontractor’s COI? A second opinion on a policy quote? We are one call or email away — with practical answers, fast.
• Proactive Monitoring: We do not disappear post-placement. We periodically review programs, identify new exposures, and update strategies as laws and risks evolve. We also train client teams on compliance and best practices.

The result? Your peace of mind. You will know your insurance program is in good hands, backed by a team that treats your risks like our own.

When insurance policies are full of exclusions and unclear terms, even experienced contractors can unknowingly take on serious risk. Here are just a few examples of how TSIB’s advisors helped clients avoid costly coverage gaps:

• A regional curtain wall contractor had a crane exclusion in their policy — which could have left them exposed. TSIB identified the issue and for no additional cost, had the exclusion removed immediately, ensuring full coverage for crane operations.
• A small site contractor had an earth movement exclusion that limited coverage. In addition, they had an inflated premium. We had the exclusion removed, saving the client $95K, and covered their primary exposure.
• A fire protection contractor, with 50% of their work in wrap-up programs, unknowingly carried a wrap-up exclusion that would have removed coverage once a project closed out. TSIB resolved the issue at no additional cost to the client.
• A large national civil contractor was told by their incumbent broker that a silica and silica dust exclusion was mandatory. TSIB challenged the carrier and had the exclusion removed — again, with no added premium.