Are skyrocketing insurance premiums and hidden coverage traps crushing your bottom line?

"Our property premiums increased over 100% in four years, really eating into our bottom line. Harbor & Oak saved us over $30,000 and got us better coverage than we've ever had. They actually came out to inspect our facility and marketed our account in a way that made it more attractive to underwriters."

"They found and fixed major coverage gaps we didn't know we had and still saved us $12,000 on our lessor's risk policy. The biggest win was reducing our wind/hail deductible from 3%—about $60,000—to a flat $10,000. Harbor & Oak found options we didn't know existed and made the whole process easy."

"My previous carrier reduced coverage dramatically and increased my premium at the same time. With Harbor & Oak, I saved $20,000 on my property premium and still increased my coverage by nearly 80%. They upgraded our roof coverage from actual-cash-value to full replacement-cost and removed the coinsurance clause entirely. It's the first time I've felt fully protected without overpaying."

"We saved $13,000 vs. our renewal and improved every part of our coverage—double the E&O limit, half the deductible, 4x the crime coverage, plus added cyber crime protection. Better coverage, lower cost—an easy yes for us."

"Before working with Harbor & Oak, we were overpaying for property insurance and didn't know we were still exposed. They stepped in, cut our premiums by $68,000, increased our building limits by 20%, and dramatically reduced our wind/hail and water damage deductibles. They even uncovered a critical coverage gap for code upgrades we didn't know existed. Now we know our properties are fully protected—and we're paying a better price for it."

"Harbor & Oak reduced our premiums by $24,000 while significantly strengthening our coverage. Building coverage increased 19%, business income coverage 16%, debris removal coverage jumped from $82,000 to $1M, and water damage deductibles dropped from $100,000 to $25,000. They identified coverage gaps we didn't know to look for and fixed them before they became a problem. This is what real insurance expertise looks like."

"Harbor & Oak cut our multifamily premiums by 18% while tripling our assault and battery coverage. On a hard-to-place risk, that's almost unheard of. We're paying less, carrying stronger protection, and finally feel confident in our liability coverage."

"Our property premiums increased over 100% in four years, really eating into our bottom line. Harbor & Oak saved us over $30,000 and got us better coverage than we've ever had. They actually came out to inspect our facility and marketed our account in a way that made it more attractive to underwriters."

"They found and fixed major coverage gaps we didn't know we had and still saved us $12,000 on our lessor's risk policy. The biggest win was reducing our wind/hail deductible from 3%—about $60,000—to a flat $10,000. Harbor & Oak found options we didn't know existed and made the whole process easy."

"My previous carrier reduced coverage dramatically and increased my premium at the same time. With Harbor & Oak, I saved $20,000 on my property premium and still increased my coverage by nearly 80%. They upgraded our roof coverage from actual-cash-value to full replacement-cost and removed the coinsurance clause entirely. It's the first time I've felt fully protected without overpaying."

"We saved $13,000 vs. our renewal and improved every part of our coverage—double the E&O limit, half the deductible, 4x the crime coverage, plus added cyber crime protection. Better coverage, lower cost—an easy yes for us."

"Before working with Harbor & Oak, we were overpaying for property insurance and didn't know we were still exposed. They stepped in, cut our premiums by $68,000, increased our building limits by 20%, and dramatically reduced our wind/hail and water damage deductibles. They even uncovered a critical coverage gap for code upgrades we didn't know existed. Now we know our properties are fully protected—and we're paying a better price for it."

"Harbor & Oak reduced our premiums by $24,000 while significantly strengthening our coverage. Building coverage increased 19%, business income coverage 16%, debris removal coverage jumped from $82,000 to $1M, and water damage deductibles dropped from $100,000 to $25,000. They identified coverage gaps we didn't know to look for and fixed them before they became a problem. This is what real insurance expertise looks like."

"Harbor & Oak cut our multifamily premiums by 18% while tripling our assault and battery coverage. On a hard-to-place risk, that's almost unheard of. We're paying less, carrying stronger protection, and finally feel confident in our liability coverage."