Helping Construction Companies Save Up to 55% on Their Insurance Renewals - Permission Sales - Permission Network Insurance Agency, LLC -

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Thank you for visiting Constructive Risk, a boutique consulting firm serving General Contractors, Subcontractors, and construction-related Business Owners from all around the country. My name is Charles Specht and I’m the President & CEO of Permission Group Inc., the parent company of Constructive Risk.

What I Don’t Do:

As a wholly independent risk management consultant, I do NOT sell insurance, receive a commission, or represent any insurance carriers.

What I Do:

As a wholly independent risk management consultant, I do manage the insurance policy renewal process on behalf of GC’s, Subcontractors, and other savvy Business Owners from all around the country in order to help them save up to 55% on their combined annual insurance premiums.

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Insurance Sales Career – (Year #1)

I began my insurance career in the year 2000 as a Property & Casualty insurance agent, accepting a position with InterWest Insurance Services, LLC, a highly reputable insurance agency located in central California.

I initially focused on writing small- to medium-size subcontractors, as that was what most of the other agents in that particular sales office wrote. I obtained thirty (30) new clients and booked $135,000 of new business commission during my first fourteen (14) months at that agency.

Insurance Sales Career – (Year #2)

I eventually left InterWest and accepted a sales position with Arthur J. Gallagher & Company, one of the largest insurance agencies in the world.

It was at Gallagher that my eyes were opened to an entirely different approach to consultative sales. I began to understand the importance of “micro niche” specialization, to be perceived as an “expert” in the specialized micro-industry of my prospective client, and to focus on gaining the contractor’s PERMISSION before ever putting together a renewal application.

The result? I obtained fifteen (15) new clients and wrote $375,000 of new business commission in my first nine months.

After eight more years at Gallagher, I had earned my Certified Debt Arbitrator designation, my Certified Insurance Counselor designation, was eventually promoted to Area Vice President, and—between the two agencies—built a personal book of business of $1,000,000 in annual revenue.

During that time, I was the endorsed insurance agent for two different construction industry associations. I was endorsed as the sole insurance liaison for each association and even assisted with the creation of an entirely new general liability insurance product for one of them. I am currently the endorsed insurance consultant for the Steel Framing Industry Association.

Why I Stopped Selling Insurance and Opened a Boutique Consulting Firm

In 2010, I made a transition in life and accepted an Associate Pastor position at Madera Baptist Church in Madera, California.

Then, in 2011, I accepted the full-time, bivocational Senior Pastor position at Faith Baptist Church in Strathmore, California. (I continued that bivocational role until January 2018, when I moved my family to a more metropolitan area where our youngest son, who is fully blind, could get access to necessary services.)

MAJOR TRANSITION: Consulting

Because I could no longer devote myself to insurance sales on a full-time basis (having become a bivocational Senior Pastor), I chose to exit the brokerage/placement side of the insurance industry altogether. It was then that I established this consulting practice–Constructive Risk–an unbiased and wholly independent, fee-based consulting firm that educates construction companies in risk management, loss control, and manages their insurance policy renewal strategy.

I have continued in this thriving consulting practice since 2010.

If you’re looking for help with Competitive Bid Management for your insurance policy renewals, then you’ve come to the right place. Helping businesses save up to 55% on their total annual insurance costs is my specialty!

Occasionally, your current insurance agent/broker may get a bit nervous when I’m retained as your offsite risk management consultant. They really shouldn’t get nervous because I’m not necessarily looking to replace them with another agent, and I’m not their competitor, as I don’t sell insurance. But I do expect a lot from them when it comes to both price negotiation and the level of services they will provide to you throughout the policy period, and I simple cannot tolerate mediocrity for my clients. I created this Information for Agents & Brokers to help your agent/broker understand my role as your independent consultant.

Wondering what my fee structure is when you hire me as your independent offsite risk manager? Although the fees for my services aren’t inexpensive, they really are quite reasonable considering the value I bring to the table and the savings we hope to achieve each year. I address this issue in my Frequently Asked Questions section.