You are overpaying for your Insurance
We find out for free.
Most owners of commercial real estate in Florida are losing money on insurance and do not know it. Our team reviews your existing policies, shows you exactly where the money is going, and gives you a plan to recover it. You keep the report either way. If we find no savings, you pay nothing.
Most CRE owners are paying for coverage they will never use, and missing coverage they actually need.
The Florida market changed. Hard market conditions, wind exclusions, coinsurance traps, and master policy mispricing have turned insurance from a line item into a quiet drain on cash flow. Brokers renew. Underwriters rate. Nobody audits.
Coinsurance penalties already triggered
If your building is underinsured at the time of loss, your carrier reduces the claim payment proportionally. Most owners discover this after the storm, not before.
Wind exclusions buried in the policy
Named storm exclusions, anti concurrent causation clauses, and percentage deductibles tied to building value. Three lines of fine print can erase six figures of recovery.
Master policies that no longer fit
A blanket policy across mismatched assets is convenient for the broker and expensive for you. We have unbundled portfolios as large as 54 buildings to recover real money.
A four step audit, built for portfolios that cannot afford to guess.
TAO stands for Total Asset Optimization. It is the same forensic process we use with family offices, GPs, and sophisticated multifamily operators across Florida. Designed to find money your current broker is not looking for.
Most prospects ask how long it takes. The honest answer is twelve to twenty one days, depending on how clean your existing documentation is. Most of that time is spent verifying carrier appetite, not paperwork.
Portfolio intake
You share your existing declarations pages, loss runs, and asset list. We sign mutual NDA. No commitment beyond information sharing.
Forensic review
Our team examines policy language, coverage gaps, rating errors, coinsurance exposure, and carrier fit. We benchmark against current market appetite.
Recovery strategy
You receive a written report showing where money is being lost, what coverage is missing, and the specific actions to recover it. Numbers, not theory.
Implementation, your call
You decide whether to keep your current broker, work with us, or sit on the report. The audit is complete either way. No pressure, no recurring sales calls.
If we find no savings, you pay nothing.
This is not a marketing line. It is the operating rule of the TAO audit. Our value is in what we recover for you. If your current setup is genuinely optimized, we will tell you and walk away.
Everything in the audit, and what it would cost anywhere else.
Full policy forensic review
Every declaration page, loss run, and clause read line by line by a specialist, not a software tool.
Written recovery report
A documented breakdown of where you are overpaying and the exact steps to fix it. Yours to keep.
Coverage gap assessment
We flag the exposures that could wipe out a claim, before the next storm finds them for you.
One on one strategy call
A direct session with a Client Protection Strategist to walk through the findings and your options.
Three audits. Three different problems. One pattern.
See the method first. Insurance as a Profit Lever.
Once a quarter, Jerry Katz runs a live session for commercial real estate owners. He shows the exact framework we use to find overpayments and recover them, using real portfolios as examples. No pitch. Bring your questions.
The TAO audit is designed for a specific operator profile.
You operate sophisticated CRE in Florida
- Portfolio value of $5M or higher across owned or syndicated CRE assets
- You hold multifamily, mixed use, office, retail, or industrial in Florida
- You are the decision maker, GP, or family office principal on insurance
- You renew your program in the next nine months and care about NOI
You are looking for a personal lines quote
- You need auto, health, life, or homeowners coverage. We refer those out.
- Single asset under $2M of insured value. We are not the right fit.
- You want the cheapest premium regardless of coverage quality.
- You are not willing to share declarations and loss runs for review.
Twenty plus years auditing the policies brokers hope you never read.
Jerry Katz is the founder and CEO of Premier Protection Insurance Services. His career has been spent on one side of the table that most owners never get to see: the side where carriers, underwriters, and brokers negotiate what coverage actually means.
That experience is the entire reason TAO exists. The audit is the codified version of the process Jerry runs personally on every portfolio that crosses his desk. Now the team executes it at scale, with Jerry reviewing every recovery strategy before it leaves the office.
Find out what you are overpaying.
Two minute application, no payment and no contract. We review every submission within twenty four hours and accept only the portfolios we believe we can genuinely help. If yours is not a fit, we will tell you and point you in the right direction.