Do You Really Have to Do Everything Your Insurance Carrier Asks?

When you get a list of loss control recommendations from your insurance carrier, it can feel overwhelming—like a surprise to-do list with a price tag you didn’t budget for.

So here’s the real question: Do you have to do everything on the list?

The short answer: not always. Some items are mandatory because they tie to safety regulations or catastrophic risks, but many are negotiable if you know how to approach them.

Here’s the process we walk clients through:

1. Price it out

We help you get real numbers. Whether it’s new shelving, upgraded flooring, or specialized PPE, Bruins & Co. gathers estimates so you’re not making decisions on assumptions.

2. Ask for help

Carriers often have vendor relationships or discount programs—if you know where to look. We’ll push for those options to lower costs.

3. Negotiate the timeline

A million-dollar fix won’t happen overnight. We prepare phased plans (12–24 months) and handle negotiations with the carrier so expectations are realistic from the start.

4. Prioritize severity

Not every recommendation is critical. We separate the must-do’s from the nice-to-haves so leadership knows where to spend energy and budget.

5. Run the cost-benefit reality check

Carriers don’t always weigh cost vs. exposure the way a business would. We run the analysis—does it make sense to spend $2M to reduce a $200k exposure?—and bring that perspective to the table.

6. Document everything

Bruins & Co. keeps the paper trail—quotes, emails, timelines, meeting notes—so you can prove you acted in good faith if questions arise later.

7. Talk it through

Finally, we don’t just prep—we sit at the table with you. Armed with data, timelines, and alternatives, we handle the conversation with your loss control rep to get practical, realistic outcomes.

The Bottom Line

Loss control recommendations aren’t black and white. Some are must-do’s. Others are negotiable. The key is approaching them with data, a plan, and the right strategy.

At Bruins & Co., we prepare the analysis, build the roadmap, and negotiate directly with your carrier—so you can focus on running your business while we focus on protecting it.

If you’ve got a list of recommendations sitting on your desk right now, let’s talk. We’ll turn that list from overwhelming to manageable.