WHAT WE DO
Independent Commercial Insurance Consulting for Complex Businesses
Our expertise spans across industries.
We help organizations evaluate how insurance coverage, contractual risk transfer, and retained financial exposure work together across the business. Through Strategic Insurance Design, we provide independent insight that helps leadership make informed decisions about risk, operations, and long-term financial stability.
Our experience spans complex, risk-driven industries including commercial real estate, construction & infrastructure, manufacturing, oil & gas, chemicals, digital infrastructure, financial services, and retail.
These are the typical insurance programs we manage for our clients:
- Property, Cargo, and Transit
- Commercial General Liability and Umbrella Liability
- International Liability
- Workers’ Compensation
- Commercial Auto
- Professional Liability
- Environmental Liability and Remediation
- Directors & Officers Liability
- Employment Practices
- Fiduciary
- Crime and Special Crime
- Privacy, Cyber, and Technology Liability
- Collateralized Large-Deductible Policies
For more information on the specific services we offer, please visit the services pages.
Strategic Insurance Design is at the Core of What We Do
Helping leadership better understand risk across the organization.
Insurance programs often become more complex as businesses grow. Contracts change. Operations expand. New exposures emerge. Over time, it becomes increasingly difficult to understand how everything works together.
Our role is to help leadership gain clarity and confidence by evaluating how insurance coverage, contractual risk transfer, and retained financial exposure align with the realities of the business.
Strategic Insurance Design is built on three core principles that help organizations better understand risk, evaluate insurance program performance, and make informed business decisions.
Evaluate
We evaluate insurance programs based on how they perform under real-world conditions, not simply how they appear during renewal. This helps organizations identify exposures, assess effectiveness, and better understand risk.
Advise
As an independent commercial insurance consulting firm, we provide objective guidance that helps organizations make informed decisions regarding coverage structures, contractual obligations, and long-term risk management.
Confidence
Confidence comes from understanding how risk is transferred, retained, and managed across the business—not simply from purchasing insurance. We help organizations assess insurance program readiness for significant loss events.
Strategic Insurance Design helps organizations better understand risk, strengthen decision-making, and improve insurance program performance.
The Three Elements of Strategic Insurance Design
Strategic Insurance Design evaluates how insurance coverage, contractual risk transfer, and retained financial exposure work together across an organization.
Insurance Coverage
Evaluate how insurance policies are structured, how coverage responds to loss scenarios, and whether insurance programs support business objectives.
Contractual Risk Transfer
Review how contracts allocate risk among parties and determine whether contractual obligations align with insurance program design and risk management strategies.
Financial Exposure
Assess deductibles, self-insured retentions, uninsured exposures, and an organization’s appetite for risk to better understand potential financial impact.
By evaluating how these elements work together, we help organizations build stronger insurance programs that support operational and financial stability.
How can you get started?
A straightforward process designed to help leadership gain clarity and confidence in how risk is managed across the organization.
1
Initial Consultation
Discuss your organization, insurance program, operational risks, and areas of concern. Our goal is to better understand your organization and identify where additional insight may be valuable.
2
Program Review
We review relevant insurance, contractual, and operational information to better understand how coverage, risk transfer, and financial exposure interact throughout the organization.
3
Strategic Recommendations
We provide objective recommendations that help leadership better understand risk, evaluate insurance program performance, and support decision-making.
Frequently Asked Questions About Commercial Insurance Consulting
What does The MB Davis Group do?
The MB Davis Group provides independent commercial insurance consulting services that help organizations evaluate insurance programs, understand risk, and make informed decisions regarding insurance, contractual obligations, and financial exposure.
What is commercial insurance consulting?
Commercial insurance consulting is the independent evaluation of insurance programs, contractual obligations, and retained financial exposure to help organizations better understand and manage risk.
What is Strategic Insurance Design?
Strategic Insurance Design evaluates how insurance coverage, contractual risk transfer, and retained financial exposure work together across an organization to support operational and financial stability.
How is MB Davis Group different from an insurance broker?
Unlike insurance brokers, MB Davis Group does not sell insurance products. We provide objective consulting and strategic guidance focused on insurance program performance, risk management, and leadership decision-making.
Why should insurance programs be evaluated beyond renewal?
Insurance programs should be evaluated based on how they perform under real-world conditions, not simply how they appear during renewal. This helps organizations identify potential gaps, exposures, and areas for improvement.
What is contractual risk transfer?
Contractual risk transfer is the process of allocating risk among parties through contracts, agreements, and indemnification provisions. It is a critical component of effective risk management and insurance program design.
What is retained financial exposure?
Retained financial exposure includes deductibles, self-insured retentions, uninsured exposures, and other financial obligations an organization may assume in the event of a loss.
Who benefits from commercial insurance consulting?
Commercial insurance consulting benefits organizations operating in complex, risk-driven environments that require greater visibility into insurance program performance, risk management, and financial exposure.
