Essential Shield
$79/mo
- Two personal policies managed
- Annual auto & renters optimization
- Digital ID cards & dec pages
- Claims first-notice coaching
- Quarterly email risk tips
Advisory fees cover planning, policy administration, and claims support. Carrier premiums are quoted separately based on underwriting results. All plans include access to the Bizrek client portal and annual coverage roadmap sessions.
Family Advantage
$129/mo
- Home, auto, life coordination
- Beneficiary & trust reviews
- 24/7 first notice hotline access
- Mid-term endorsement concierge
- Seasonal property checklists
Business Growth
$199/mo
- Commercial package stewardship
- COI automation for vendors
- Workers comp audit prep
- Quarterly board-ready reports
- Dedicated account strategist
What is not included in advisory fees
State taxes, carrier policy fees, inspection charges, and financing surcharges are passed through at cost. We itemize each element on binding summaries so you can compare total cost of ownership across carriers.
Upgrades and downgrades
Life changes quickly. You may move between plans at the end of any billing month. When exposures increase—new vehicles, hiring employees, acquiring property—we pro-rate upgrades so you are never left uninsured during transitions.