Featured · BenefitsApril 2026 · 6 min read
The renewal letter is not your renewal.
Carriers anchor high on purpose. Here is the framework we use to take the renewal apart, line by line, before anyone signs anything.
Read the pieceInsights
Plain English from the EPIQ team.
Sharp, opinionated, useful. Notes on benefits, risk, cyber, and the broker-carrier system clients are stuck inside.
RiskMarch 2026
Three risks every mid-market CFO is underpricing in 2026.
Cyber, business interruption, and key-person exposure — and the simple modeling exercise that exposes how thin most programs really are.
9 min read
CyberFebruary 2026
Your cyber renewal is a posture audit. Treat it like one.
Underwriters are no longer reading your application. They are scanning your domain. What they see decides your premium — and your coverage.
7 min read
The systemJanuary 2026
Why we will never take a production bonus.
It is the quietest conflict of interest in our industry, and the one that costs clients the most. Here is what we do instead.
5 min read
SpecialtyDecember 2025
What dental practices get wrong about P&C.
Twelve overlapping policies, three renewal dates, no coordination. The fix is not more coverage — it is structure.
8 min read
Workers' CompNovember 2025
How we got an experience mod from 1.32 to 0.88 in two years.
Not by negotiating harder. By rebuilding what feeds the mod in the first place. A field guide.
10 min read
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