Option 03 · Ongoing Insurance & Risk Support

Fractional Risk Management

Year-round insurance and risk support — as if you hired an experienced advisor in-house, without the full-time cost.

Why This Exists

The job an owner shouldn't be doing alone.

Big firms have a full-time Risk Manager on staff — someone who owns insurance, renewals, claims, and coverage so the owner doesn't have to. It's one of the most valuable seats in the building. Most contractors can't justify that as a full-time hire, so the job falls to you — squeezed in between running jobs, chasing payments, and everything else.

That's what fractional solves. You get a seasoned risk manager working for your company part-time, on a flat fee — senior-level expertise without the cost of a full-time hire. We help own and coordinate your risk program, so you can get back to building.

What's Included

Think of this as bringing an experienced insurance and risk advisor inside your company on a part-time basis. Insurance questions, claims, renewals, certificates, and coverage changes are handled with someone in your corner who knows your business and supports you year-round.

Many growing contractors need senior risk-management expertise but do not want the overhead of a full-time in-house hire. Fractional Risk Management provides that expertise on a monthly retainer, scoped to your operation.

This is not a one-time review. This is a continuous advisory relationship where Blueprint Risk Consulting becomes your go-to resource for anything and everything insurance — from day-to-day questions to long-term risk strategy. The standard engagement is a 12-month contract with 30-day written cancellation notice thereafter.

Complete Deliverables

→ All deliverables from Renewal Strategy & Agent Collaboration (Option 2)
→ Monthly risk management review call with written status summary
→ Workers' comp claims monitoring and intervention support
→ Fleet safety program development and telematics oversight
→ Subcontractor risk transfer review — certificates, contracts, indemnification language (Note: Blueprint is not an attorney. All contracts should still be reviewed by your legal counsel.)
→ Safety program input and coordination of OSHA-related risk issues (Blueprint identifies and helps coordinate safety and compliance issues but does not provide legal advice or certify regulatory compliance.)
→ Return-to-work program support
→ Ongoing carrier and agent relationship management

Transparent Pricing

Monthly Retainer

Custom Quote

12-month contract. 30-day written cancellation notice after the initial term. Fee-only — no commissions, no carrier relationships.

Discuss Fractional Risk Management

Common Questions

Frequently Asked Questions

Your agent manages market access, placement, and carrier relationships. Blueprint provides independent analysis and ongoing risk-management support: your risk program, day-to-day insurance questions, claims coordination, renewal strategy, and total cost of risk year-round. These are complementary roles — we work alongside your agent, not instead of them. Blueprint does not provide legal advice or certify regulatory compliance.

Any contractor with $75K–$1M in annual insurance spend who wants senior-level, year-round risk oversight without the cost of a full-time in-house hire.

We start with a 30-day program assessment to get a full picture of your current insurance, claims history, and risk exposures. After that, we operate on a monthly cadence — typically a call and written summary each month, plus additional touchpoints whenever something comes up: a renewal, a claim, a new contract requirement, a coverage question. You have direct access to reach out at any time.

Engagements are 12-month contracts. After the initial term, 30-day written cancellation notice is required. Early exit provisions are available on a case-by-case basis.

An experienced risk advisor in your corner, year-round

Fractional Risk Management is ongoing, executive-level insurance and risk advisory between renewals — scoped to your operation on a monthly retainer and coordinated with your agent, carriers, and counsel.

Discuss Fractional Risk Management