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.

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Currently on Waitlist Only

This program currently has limited availability. Join the waitlist to be notified when a slot opens. A 1-hour discovery session is recommended before onboarding.

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 — all of the expertise, none of the six-figure salary. We become the people who own your risk program, so you can get back to building.

What's Included

Think of this as hiring an experienced insurance and risk advisor to work inside your company on a part-time basis. Every insurance question, every claim, every renewal, every certificate, every coverage change — you have someone in your corner who knows your business and handles it for you year-round.

Most growing contractors don't have the budget for a full-time risk manager at $120,000–$180,000 per year — but they absolutely need that expertise. Fractional Risk Management gives you senior-level, ongoing insurance and risk support on a monthly retainer, without the overhead of a full-time hire.

This is not a one-time review. This is a continuous advisory relationship where Blueprint Risk 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 development and ongoing OSHA compliance support
→ 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.

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Common Questions

Frequently Asked Questions

Your agent manages placement — finding carriers and binding coverage. Blueprint Risk manages everything else: your risk program, day-to-day insurance questions, claims strategy, renewals, safety culture, and total cost of risk year-round. These are complementary roles. We work alongside your agent, not instead of them.

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.

Ready to have an insurance expert in your corner — all year, every question?

Fractional Risk Management is year-round, ongoing insurance and risk advisory. Every question answered. Every renewal handled. Every claim supported. Scoped to your operation on a monthly retainer.

Join the Waitlist