RateCraft

08/31/2026

New post - “Loyalty or Leverage? What you can Learn From a Cup of Coffee” ☕️📉

You can taste a better coffee. You can’t taste a better policy. So how do you know you’re getting the best recommendation? What if the broker earns more for steering you one way?

We built RateCraft to close that gap. We run independent, forensic reviews of renewals - numbers, coverage, and the compensation behind recommendations. No commissions. No carrier ties. We only get paid if we find you savings. Simple. Neutral. Focused on lowering your cost without changing your coverage.

CFOs and CEOs: want a straight answer on your renewal? Read the full post and start the conversation. Read it here: https://wix.to/jQ1zCNO

Have you ever asked a broker for a second opinion? Tell us below. 🔍

Imagine this: you walk into Starbucks one morning, order your usual, and the barista slides a note across the counter along with your latte. It reads: "If we ever find out you bought a coffee from Peet's, we will never serve you again."You'd probably laugh. Then you'd never go back — not because y...

08/31/2026

Want real control over insurance costs? We dig deeper than broker assumptions. Independent review exposes hidden spend. We audit without changing coverage or providers. You only pay when we find savings. Evidence-based. Zero disruption. Ready to uncover waste and protect your bottom line? Visit https://wix.to/39ZwqTj to get started. 🚀📊

08/28/2026

🔍 6% is the WTW headline. But what does that mean for your policy? Short answer: not enough.

I break down why broad surveys are a market signal - not a guarantee for any single account. Averages hide a lot: risk profile, claims history, carrier appetite, negotiation timing. I use a recent client example where an agent predicted big increases, yet premiums fell 10-35% after focused negotiation. Real outcomes can - and do - diverge from headlines.

We’ve built 30+ years of benchmarking to test pricing narratives against actual accounts. We’re not a broker. We only get paid if we find you savings through a forensic audit. That means unbiased results and no pressure to change carriers or coverage.

Want context, not clickbait? Read the full analysis and see what the 6% signal misses for your renewals. Read the post: https://wix.to/2gX5PPz

What one line item would you want us to test on your next renewal? 🤔

Insurance pricing reports often shape expectations for businesses and negotiators alike. The recent WTW pricing survey, which showed an aggregate increase of just above 6 percent in U.S. commercial insurance prices, has sparked conversations about its reliability and practical value. As a profession...

08/27/2026

You want real savings - not sales hype. We prove it with evidence, not promises. Our audit shows where costs are defensible and where market noise inflates expectations. No broker swap. No coverage disruption. Just clear, documented savings you can act on. Ready to see the numbers? Visit https://wix.to/nnh27Gn ✅💡📊

08/26/2026

CFOs: Insurance broker misconduct can quietly inflate costs and expose your company to risk. Learn how to spot self-dealing, protect corporate funds, and hold brokers accountable in our new post. Read more: https://wix.to/bbQE0Eo

When you’re managing a company’s finances, every dollar counts. Insurance is a major expense, and you rely on brokers to get the best deals. But what if those brokers aren’t acting in your best interest? Insurance broker misconduct can cost you more than just money - it can erode trust and exp...

08/26/2026

Spotting insurance waste starts in the budget - not the claims file. You’re watching margins tighten. Coverage looks the same, but costs keep rising. What gives? An audit-first approach uncovers hidden fees, duplicate charges, and misapplied rates. We dig into the numbers, show the evidence, and recover real savings. Ready to see what’s hiding in your insurance line item? Visit https://wix.to/3vDlvHX 🔍💡

08/19/2026

New legal risk alert for employers: your benefits package may be a fiduciary liability. Read Andrea Luoni’s urgent analysis on why brokers and signed paperwork aren’t enough—and what you should do now to protect your company and employees. Read the full article: https://wix.to/RaVlkrg

RATECRAFT | FIDUCIARY RISK & BENEFITS INTELLIGENCENew lawsuits and sweeping federal mandates are exposing employers who thought their benefit programs were safe. They are not.By Andrea Luoni, CEO & Founder, RateCraft | www.RateCraft.com | 888-632-9900 For nearly three decades, I have watched employe...

08/13/2026

Employment Practices Liability Insurance (EPLI) can make or break your response to an employment-related claim. Our latest article outlines the top 7 things to check on your EPL policy so you’re not surprised when a claim arrives. Read practical tips on exclusions, defense costs, retroactive dates, severability, and more. https://wix.to/QP00u9B

Employment Practices Liability Insurance (EPLI, or EPL) is one of those coverages that businesses often buy, file away, and never look at again — until a claim hits. That's a mistake. EPL policies vary widely from carrier to carrier, and the fine print can mean the difference between a claim that'...

08/11/2026

Insurance as a Math Equation: Why “The Market Is Hard” Isn't a Number — Every renewal season agents rely on broad market talk. But pricing is specific, measurable, and actionable. Learn how to separate marketing noise from the real drivers of your renewal and get practical steps to improve your position. Read more: https://wix.to/wMzLa6b

Insurance as a Math Equation: Why "The Market Is Hard" Isn't a Number Every renewal season, the same meeting happens. An agent sits down with a client — doesn't matter if it's workers' compensation, general liability, or group health — and opens with a market update. Claims are up nationally. Me...

08/06/2026

We dug into broker self-dealing - a practical guide for CFOs. 🔍🛡️💰

Insurance is a major line item. Brokers sometimes have incentives that don’t match yours. Spot these red flags:
- Unexplained premium increases with no change in coverage
- Opaque commissions or hidden fees
- Pressure to buy quickly
- Limited options or refusal to share documentation

Protect margin: demand transparency, get multiple quotes, use independent audits, and set clear expectations.

We’re not an insurance broker. We only get paid if we find you savings through a forensic audit - unbiased advice focused on cutting costs without changing coverage.

Read the full post for the checklist and practical next steps. Have you seen any of these red flags? Tell us below.