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Independent Insurance Consultant in Birmingham, Alabama

360 Insurance Consulting provides independent, commission-free commercial insurance advisory services to middle-market organizations in Alabama and throughout Southeast.

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Unlike traditional brokers or agencies, we do not sell insurance or receive commissions. Our role is to serve as your objective advisor — evaluating your insurance program, identifying inefficiencies, and helping leadership make strategic, informed decisions.

 

Based in Birmingham, we serve privately held and private equity-backed businesses across the Southeast.

Birmingham, Alabama skyline at night.

Our Services in Birmingham

A circular graphic depicting the areas of service provided by 360 Insurance Consulting for clients in the Birmingham, Alabama area, which include but are not limited to the following areas: Total Cost or Risk Analysis, Renewal Quarterbacking, Risk Profile Optimization, and Ongoing Advisory.

Total Cost of Risk

Analysis

We analyze coverage layers, limits, deductibles, retentions, collateral requirements, SIRs, and more to make certain your program has evolved strategically rather than reactively.  

Quarterbacking

Renewal

We implement defined renewal timelines, broker accountability checkpoints to prevent reactive execution.

Risk Profile

Optimization

We refine the underwriting narrative to make certain your company's risk profile is optimal in order to achieve an optimal outcome.

Ongoing

Advisory

We continue to work with your organization throughout the year by serving as an extension of your risk management team.

Who We Serve in Alabama

We work with middle-market businesses in:​

  • Construction​

  • Real Estate​

  • Manufacturing​

  • Distribution & Logistics​

  • Professional Services​

  • Healthcare & Life Sciences​

  • Commercial Enterprises​​

  • Private Equity-Backed Companies​

Many Birmingham businesses rely solely on their broker for insurance guidance. Our approach is different — we provide independent oversight focused solely on your company’s best interests.

Why Independence Matters

Commission-based models can create inherent conflicts of interest. As an independent insurance consultant in Birmingham, our compensation is transparent and aligned with our clients — not carriers.​

This structure allows us to:​

  • Evaluate program design objectively​

  • Support broker accountability​

  • Optimize total cost of risk​​

  • Improve long-term financial outcomes

Schedule a confidential consultation with an independent

insurance consultant in Birmingham, Alabama.

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