Finally, in 2014, they found a carrier partner (AmTrust), that was willing to take a chance. The program started very small and was extremely time intensive due to the paperwork involved. This was not acceptable to Phil and he sought out partners that could help him make the process more efficient for the clients. With that, he ended up developing a relationship with AllRisks, Ltd. and a technology partner to take the program online.
The entire goal for Phil and the team is to have a process for clients to understand the coverage and complete the purchase process efficiently. He also understands that insurance is confusing and that clients will need clarification on the policy, as well as the risk a family is trying to protect. Therefore, AllRisks (now Ryan Specialty Group due to a merger) brought on an underwriting expert in Clarke White to personally manage the client questions and carrier relationship.