Since we do NOT sell insurance we
are NOT your current agent’s competition.
Permission Network is an independent insurance consulting firm hired by you to solely represent your interests.
What we do is manage the insurance policy renewal process on your behalf by strategically directing both the marketing and negotiation efforts of your current broker — and any other pre-qualified brokers we bring in to gather quotes — which ultimately Saves You Time, gives you Peace of Mind in the process, and Reduces your Insurance Costs by as much as 55% annually.
As a Business Owner, You Want Three Things Out of the Insurance Policy Renewal Process
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SAVE YOUR MONEY
You want to pay the least amount of premium possible for each of your insurance policy renewals.
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SAVE YOUR TIME
You don't want to waste time dealing with multiple agents, multiple meetings, etc.
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GAIN PEACE OF MIND
You want to know and be convinced that you made the best choice in quotes and brokers.
Watch The Below Video If You Want to Save Up to 55% On Your Upcoming Insurance Renewal
Client Testimonials
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“Charles, your performance, regarding managing our insurance renewal was amazing! Not only did you keep communications open with us, but we were also continually being informed of your progress with our insurance agent; pushing them to get for us the best rates and holding them accountable. Without a doubt we would not have realized such significant savings had you not been so diligent. Our savings for the annual renewals was in the thousands and we are so grateful. There were some initial misgivings with you being on the west coast and we on the east coast, however, we went ahead anyway and are so happy and pleased that we made that decision! We are so impressed with your services that we would like to retain your services again to represent our interests with another year of renewals.”
Scott Gochnauer
Gochnauer Air Conditioning & Heating
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“I had always liked the service that my broker had provided us but I just didn’t feel comfortable renewing year after year without getting some competitive bids. I liked the fact that you provided me with a nice game plan for not only dealing with my current broker, but also in handling the second broker who provided a competitive quote. As things turned out, we did end up staying with our current broker. I was happy for several reasons. I was happy with the fact that my broker did work for our business with the various carriers. I also like the fact that we did not have to make a change and deal with the uncertainty that comes with dealing with a new service provider. I did have some reservations given the fact that our company is located in New Jersey and you [were] in California, but nonetheless I was impressed and comfortable enough to move forward. When all was said and done, we managed to negotiate a 12% savings off our new policies. Overall I am very happy and highly recommend your services to anyone in the trades or construction industry.”
Matthew Dorans
In-Line Air Conditioning Co., Inc.
Renewing Your Insurance Shouldn’t Be a Mystery!
But if you and your leadership team don't start implementing a proven strategy that works --- nothing is ever going to change. You'll just keep getting more of ...
- Inflated Premiums on Your Renewal Quotes
- Excessive Broker Commissions & Fees
- Lack of Competition Among Brokers
- No Broker Represents All of The Markets
- Poor Submissions to The Carriers
- Brokers Who Don’t Negotiate For You
- Feel Like You're Being Taken Advantage Of
Wouldn't it be great if there was a BETTER WAY to handle your insurance renewals?
You're in the right place if you are a business owner interested in...
We Know How To Help
Our Consultants Provide a Stress-Free Renewal
You shouldn’t have to feel like brokers are hiding things from you or that you’re paying more premium than you need to. That’s why we’ve crafted an insurance renewal experience you can feel confident about. Seriously, that’s what we do for you! Our strategic process of Negotiation & Renegotiation with all your brokers will put you back in the driver’s seat. When the dust finally settles — you’ll be assured that you bound coverage with the best broker, purchased the best policy available, and paid the least amount of premium possible.
Our insurance consultants DO NOT sell insurance.
But we do know how to help you lower insurance costs buy up to 55% annually!
Insurance Consultants are not appointed with any insurance carriers and we do NOT receive any commissions or “kick backs” from the insurance carriers. We are wholly unbiased, fee-based Insurance Consultants — paid directly by you the insured, our client — so that our objectives are always 100% fully aligned with yours.
My name is Charles Specht and I’ve been the CEO of Permission Network since 2011. I’m a Certified Insurance Counselor, a Certified Debt Arbitrator, and currently serve as the Lead Advisor to the Steel Framing Industry Association.
I started my career as an agent/broker in 2000 and sold insurance for ten years before founding Permission Network. I was an Area VP with the 4th largest broker in the world and produced & serviced a Construction Book of Business of over $1,100,000 in annual revenue to my agency. I was the sole endorsed broker for the American Subcontractor’s Association of California, the Steel Framing Alliance, and the Career Management Alliance.
In 2022, we launched our Network of Insurance Counselors all across the USA and Canada. We currently have dozens of consultants serving the construction industry.
We’ll show you how to better manage the insurance policy renewal process, all the while either keeping your current broker --- or if it best serves your business --- help you select a much better broker from our Network of pre-qualified construction insurance agents.
Serving as your Guide throughout the entire insurance policy renewal process, our #1 goal is to match you with the best broker possible (which may even be your current broker) and to negotiate with all vendors on your behalf to save you time, give you peace of mind, and help you save up to 55% annually on your business insurance costs.
Due to a strong relationship, nearly 60% of business owners hire us for our consulting services but still keep their current broker. The other 40% choose a new agent from one of the many pre-qualified agents in our Construction Broker Network.
We will supply you with the best options, but the choice is always 100% yours to make!
SAMPLE CASE STUDY
Client Wanted To Keep Same Broker
(Consultant Worked “Behind the Scenes”)
Below is a typical example from one of our recent client’s actual results. Although our clients often choose a consulting package where we handle and manage the policy quoting/renewal process on their behalf, due to the important relationship this CEO had with their current broker, they opted for a consulting package that allowed them to communicate directly with their agent while our Insurance Consultant provided the insured with advice “behind the scenes.” In this particular scenario, the agent/broker was unaware the insured had an Insurance Consultant giving them advice.
This client had been with the same insurance agent for over 10 years and wasn’t really interested in changing agents. The consultant coached the CEO about how to select a competing agent(s), how to strategically assign carriers to each of the brokers, provided the CEO with specific email scripts on what information to give/request of each of the brokers, and waited for the quotes to be presented.
Once the renewal quotes were received from the agents, our Insurance Consultant coached the CEO on what to look for in the proposals, what to ask the brokers to do, how “exactly” to negotiate, etc. The result was that the CEO stayed with his current broker (the goal all along), yet saved an additional $16,710 even AFTER the brokers had already presented their renewal quotes. This savings of $16,710 represented an additional 11% savings in total annual premium after we provided the CEO with renegotiation strategies.
Total Savings Using Permission Consulting?
$16,710
Frequently Asked Questions
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Will I have to switch my broker?
Not at all. In fact, nearly half of our clients choose to keep their agent for the renewal (while still experiencing considerable cost savings from our negotiation services). Ultimately, if you’re happy with your current broker then our goal is to keep you with them at the lowest possible cost. When our clients do choose to switch brokers, it’s because the total savings is so significant that it doesn’t make sense not to switch.
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Why do I need you if I already have a broker?
When comparing our advice with that of your current insurance broker, you need to consider their perspective and lack of objectivity. Unlike your broker, Permission Consulting does not sell insurance. Unlike your broker, Permission Consulting never receives a commission, gift, or kickback from your insurance carriers. The potential gain or loss of commission income never enters into the decision-making process for us, thereby eliminating any potential conflict of interest. In addition, your insurance broker is only as good as the companies his/her agency has access to. There are many competitive industry-specific programs available to you, but your broker may not be appointed with that program/carrier. As an independent consultant, Permission Consulting is bound only to our clients and we do only what is best for you.
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How much could we expect to save after hiring you?
Every project and every client is unique. However, when hired to manage an insurance policy renewal process (bid management), our clients typically average annual insurance savings of anywhere between 11% – 17%, compared to if they were to only use brokers solely. Moreover, many of our clients have also experienced additional savings from “sunk” and/or “hidden” insurance costs (i.e. retail & wholesale broker fees, state taxes and filing fees, final audits, deductibles on claims, etc.). So, although 11% – 17% tends to be our average, the most we’ve ever saved a client — after quotes were already received and then we Renegotiated the quotes on the client’s behalf — was 55% off the total cost of their annual insurance spend.
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How do you get paid for your services?
Permission Consulting is paid a flat-fee directly by you — the client — based on either a pre-set annual or project fee which is agreed upon in advance. The fee reflects the complexity of the project. Our clients have appreciated the fact that our fixed-fee is typically more than offset by the substantial insurance premium savings we secure for them.
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What is your fee structure?
Typically, our pricing structure is a set flat-fee for both our digital products and our consulting packages, but can also be determined on a case-by-case basis and is dependent on what we’re being hired to do. If we’re being hired to handle an organization’s insurance policy renewal process (bid management), then our compensation is typically a fixed annual fee. Although every project is different, our fee normally hovers around 1.5% of our client’s total annual insurance policy premium, with a minimum guaranteed annual compensation of $1,500. As an FYI, we have never had a client not receive more premium/costs savings than our flat-fee. Our clients typically save many thousands of dollars in the form of reduced insurance premiums/costs when compared to our flat-fee, while also saving time and gaining peace of mind with the final outcome.
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Do you work with non-construction businesses?
Yes, we do. Although the construction industry is our primary focus here at Permission Consulting, we’ve worked with plenty of businesses in other industries as well. We provide our services to many industries, such as: Healthcare, Financial Institutions, Hospitality, Education, Nursing Homes, Fitness Clubs, etc.
Ready To Move Forward?
Client Testimonial
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“Charles Specht provided me with insight that my insurance broker could not. I had received two seemingly similar policy quotes except one premium was more than triple the other one. Very confused, I reached out to Charles for help. He broke down each quote line by line, he explained the differences, and he helped me not only choose the right policy but also guided me to ask the broker the right questions which resulted in a significant reduction of the premium. I have already recommended him to an investor friend of mine looking for guidance on a huge policy quote he recently received and I would recommend him to anyone else as well.”
Bennett Mason
Commercial Real Estate Developer
Let's Get Started
What You Should Do Now
Use the contact form below to send us an email with any questions you have.
Our CEO, Charles Specht, will then reach out to you with information about how the process works and we'll see if the up to 55% savings makes sense for your company.