How a Georgia Electrical Contractor Reduced Insurance Costs by 19%
Blueprint Risk Consulting ran an independent renewal strategy for Caldwell Electrical Contractors — aligning the insurance program to the business the company operates today, surfacing uncovered exposures, and reducing renewal cost by 19%.
Request an Independent Risk ReviewSomeone on the client's side of the table
Caldwell Electrical Contractors (CEC) is a long-established commercial and industrial electrical contractor with a deep safety culture, a disciplined operating process, and proprietary software that puts safety into the daily workflow. CEC already had insurance agents. What it did not have was someone working solely on its side of the table.
Blueprint Risk Consulting was engaged in May 2026, roughly 90 days before the August 15, 2026 renewal, to run an independent renewal strategy: verify what the program actually covered, correct the exposure data carriers were underwriting, hold the competing agents to a higher standard, and identify exposures the existing program was not addressing.
Blueprint does not sell or place insurance. Blueprint's only role was to protect CEC's interests and make sure the people who do place coverage were competing for the business from the strongest, most accurate information possible.
A four-phase process, start to finish
Phase 01 · Diagnose the program (May–June)
A full review of every in-force policy, five years of loss history, the workers' compensation experience modification rating, payroll and class-code data, fleet and driver controls, equipment and property schedules, subcontractor costs, contracts, and coverage structure. The goal was a factual baseline, not an opinion.
Phase 02 · Rebuild the underwriting story (June–July)
Rather than letting carriers judge CEC from applications and loss runs alone, Blueprint documented the risk controls already operating inside the company — job safety analyses, fleet and telematics controls, driver training and MVR review, electrical and arc-flash safety, behavior-based safety, stop-work authority, return-to-work practice, inspections, and subcontractor risk transfer. CEC was underwritten as the company it actually is.
Phase 03 · Create competition and negotiate (July–August)
Blueprint independently reviewed each competing agent's strategy and proposal, challenged limits, deductibles, exposures, endorsements, exclusions, and excess structure, and translated the proposals into a true apples-to-apples comparison for leadership — separating price decisions from coverage decisions.
Phase 04 · Decide with clarity, then keep improving (At renewal)
Leadership went into the renewal decision with independent analysis, a documented list of retained versus transferred risks, and a prioritized set of coverage and operational improvements to carry into the next twelve months.
Two workstreams ran alongside the negotiation
Verification — does the policy match the company today? Employee counts, payroll, and workers' compensation class codes were confirmed against actual operations; every vehicle confirmed on schedule with accurate values and driver controls; equipment schedules reviewed item by item; building, contents, and business personal property values tested for adequacy; described operations and jurisdictions reconciled to how CEC works today; and contract insurance requirements, indemnity language, additional-insured status, and certificate compliance reviewed for enforceability.
Exposure and gap review — what was the program silent on? Blueprint evaluated four coverage lines a package policy often handles thinly or not at all — cyber liability, employment practices liability (EPLI), directors & officers (D&O) / management liability, and fiduciary liability — and presented each to leadership as a business decision: cost, limit, trigger, and what CEC would be retaining if it declined.
A 19% reduction — and a program that matches the business
CEC achieved a 19% reduction in renewal cost at the August 15, 2026 renewal — the outcome of accurate exposure data, a stronger underwriting story, and genuine competition. Coverage was aligned to current employees, payroll, vehicles, equipment, property values, operations, and contractual obligations, and previously uncovered exposures were evaluated as informed decisions rather than discovered after a loss.
The value was not simply a lower premium. It was the confidence that the insurance program had been tested against the company CEC has become. Lower cost is a result. Better protection is the purpose.
This case study describes one engagement and reflects that client's specific program, claims history, operations, and market conditions. Results vary by client and are not a prediction or guarantee of savings or outcomes for any other business. Blueprint Risk Consulting does not sell or place insurance and does not receive commissions. This is used with the client's permission.
Wondering whether your program has been tested against the company you are today?
Blueprint begins with a focused conversation to determine where an independent review may provide value. Call Ioana at (678) 235-4422 or request a review below.
Request an Independent Risk Review