Question 1

Who do you typically work with?

Accepted Answer

We specialize in mid-market companies, businesses doing $10M to $500M in revenue with complex operations. Our sweet spot includes importers and distributors with international supply chains, manufacturers with multiple facilities, multi-location retailers, technology firms, financial services companies, and PE-backed businesses going through growth or acquisition phases. What ties these clients together: they have sophisticated operations creating non-obvious insurance exposures, and they recognize insurance as strategic risk management, not a commodity purchase. If you're large enough that a major claim would be catastrophic but don't have a dedicated risk management team figuring this out internally, we're built for you.
See the industries we serve → Insurance By Industry

Question 2

What makes The Coyle Group different from other brokers?

Accepted Answer

We actually understand your business. After 40+ years working with mid-market companies, we speak your language, not insurance jargon, and we know what keeps you up at night. We don't just place policies and disappear. We map your operations, identify exposures specific to YOUR business, and build coverage that protects what you've built. At renewal, we negotiate on your behalf. When claims happen, we advocate for you with carriers to make sure you get paid. This is about relationship, not transaction. We're advisors who understand the difference between what a policy says and how it actually performs when something goes wrong.
Learn about The Coyle's Group approach To Business Insurance

Question 3

What's the process after I contact you?

Accepted Answer

First, we listen. We'll have a conversation about your operations, growth plans, and what keeps you up at night. Then we map your actual exposures, not just fill out a generic application. We build or audit your coverage to address gaps, negotiate with carriers on your behalf, and present options with straight talk about what you're actually buying. Once coverage is in place, we don't disappear. We stay engaged year-round, handle service requests, and start the renewal conversation 90-120 days out, not 30 days before your policy expires when you have no leverage.
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Question 4

Do you review existing policies for coverage gaps?

Accepted Answer

Absolutely, and this is where we find the most value for new clients. Many mid-market companies think they're covered because they have policies, but they don't understand the gaps until a claim gets denied. We call this "The Confidence Gap." We'll audit your current coverage, map it against your actual operations, and show you exactly where you're exposed. No scare tactics, just straight talk about what you're buying versus what you think you're buying.

Question 5

What happens at renewal time?

Accepted Answer

We start the renewal conversation 90-120 days before your policy expires, not 30 days out when you have zero negotiating leverage. We re-underwrite your business each year (because your operations change), benchmark your pricing and coverage against the market, and negotiate on your behalf with carriers. You'll get a clear renewal summary that explains what changed, why, and what we did to protect your interests. If the market's moved against you, we tell you that too, with a plan to address it.

Question 6

Do you help with claims, or just sell policies?

Accepted Answer

We advocate for you throughout the claims process. When something goes wrong, we help you navigate what's covered, work with adjusters and carriers to push your claim forward, and make sure you're getting the outcome your policy should deliver. We've been doing this for 40+ years, we know how claims get paid and how they get delayed. Our job is to make sure you get the former, not the latter.

Question 7

Are you licensed to write coverage where I operate?

Accepted Answer

Yes. We place coverage nationally and work with clients across the U.S. Whether you have operations in multiple states or you're expanding into new territories, we handle the licensing and compliance complexity so you don't have to think about it.

Question 8

How are you compensated? Do you charge fees?

Accepted Answer

Like most brokers, we're compensated through commissions paid by insurance carriers when policies are placed. We don't charge upfront fees for standard placements. For specialized consulting work, like complex risk assessments or merger/acquisition due diligence, we may propose a fee arrangement, but we'll discuss that transparently before any work begins.

Question 9

Can you handle certificates of insurance and contract requirements?

Accepted Answer

Yes, and we know how painful this is if your broker doesn't have a system for it. We manage certificate requests, ensure compliance with contract requirements, and handle vendor/client demands for proof of insurance. We also review contracts before you sign them to flag insurance requirements that might be problematic or overly broad, so you're not agreeing to coverage you can't actually get.

Question 10

Are you independent, or do you only represent certain carriers?

Accepted Answer

We're a truly independent insurance broker, not captive to any carrier. That means we can canvass the marketplace to find the right fit for your business insurance needs, not just push whatever product our parent company is selling this quarter. Our loyalty is to you, not an insurance company's sales targets.

About Us

Our Purpose and the Future We’re Building

The Coyle Group’s Team

Gordon B. Coyle

Michael Vanderwerker

Karen Coyle

Donna Richard

Taylor Chairez

Caitlin Puckett

Isabella Núñez

Marcelo Vargas

Katie Loane

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