We look at the whole picture, not just the policy.
Coverage is one piece of your total cost of risk - claims history, retained risk, agent compensation, and service quality all factor into what you’re really spending.
We’re transparent about how agents and brokers get paid.
Commission structures are rarely explained to the client footing the bill. We believe you should know exactly how that works before you sign anything.
Our Approach: What That Looks Like in Practice
We work for you, not a carrier.
Our recommendations aren’t shaped by which company pays us the biggest commission.
We translate, we don’t sell.
Our job isn’t to convince you of anything - it’s to make sure you fully understand your options so you can make the right call for your organization.
Meet your consultant
Katie Van Dyken
Founder & Principal Consultant
Katie is the Founder & Principal Consultant of KVD Group, an independent risk management and insurance advisory practice serving. With almost two decades of experience spanning carriers, agencies, small-to-mid size businesses, and public-sector clients, she helps organizations understand the true cost of their risk — and whether their current program is actually working in their favor.
Let’s talk about your risk - not just your renewal.
Whether you're evaluating your current coverage, wondering if you’re getting good value from your agent, or just want a second opinion, I’d like to hear from you.