Frequently Asked Questions
Clear, direct answers regarding our advisory structure, independence, and engagement model.
How Is 360 Insurance Consulting Different From a Broker?
Brokers place coverage and are typically compensated through commissions tied to premium.
We do not place coverage.
We are compensated on a transparent fee basis.
This structural separation allows us to provide independent oversight without placement incentives.
Do You Replace Our Broker?
Not necessarily. In many engagements, we work alongside existing broker relationships to enhance accountability and improve renewal positioning.
Our role is oversight — not disruption.
Why Does Independence Matter?
Insurance program structure influences financial performance.
When advisory and placement are combined, incentives can align with transaction volume rather than long-term optimization.
Independence introduces clarity and alignment.
Who Is an Ideal Client?
Any organization striving to reduce their overall total cost of risk.
How Are Engagements Structured?
Engagements are fee-based and defined by scope.
Services may be project-based (program review) or ongoing advisory retainers.
Compensation is fully transparent.
Do You Work Outside the Southeast?
While headquartered in Birmingham, Alabama, we serve middle-market organizations across the Southeast and selectively beyond.