Integrated Advisory
The Cross-Pillar Review — one conversation, complete picture.
Most insurance reviews look at one line at a time — commercial, then benefits, then personal. The cross-pillar review looks at all three simultaneously, because the gaps that cost businesses the most are almost always where the pillars meet.
What the review covers
Three Pillars Reviewed in a Single Conversation
The cross-pillar review is a structured 30–45 minute conversation covering your commercial program, employee benefits, and personal lines together. It is not a sales call. It is a diagnostic — designed to surface what your current program covers, what it misses, and where the highest-priority gaps are.
Pillar 01 — Commercial Coverage
General liability, commercial property, workers' comp, fleet, and professional liability — reviewed not just for adequacy on their own, but for how they interact with your personal lines and benefits program.
Pillar 02 — Employee Benefits
Group health, life, dental, vision, and disability coverage — reviewed in the context of your budget, your team demographics, and your competitive position for talent in your industry and market.
Pillar 03 — Personal Lines
Home, auto, watercraft, vacation property, and umbrella — reviewed by the same advisor who knows your commercial program. This is where the most common and most costly coverage gaps appear.
Cross-Pillar Intersections
Personal vehicles used for business. Home offices. Umbrella limits that do not align with commercial exposure. These are the gaps that siloed advisors never see — because no single advisor knows all three sides of the picture.
How it works
What to Expect
Step 01
30-Minute Introductory Call
A brief call to understand your current program, your industry, and where your most pressing concerns are. No prep required — just a conversation.
Step 02
Program Review
You share your current declarations pages and benefits summaries. The review identifies what you have, what the limits are, and what each policy excludes.
Step 03
Gap Analysis & Recommendations
A written summary of the gaps identified and the priority order for addressing them — with specific carrier-agnostic recommendations and no obligation to act.
“A cross-pillar review typically takes 30 to 45 minutes. In every review we have done, at least one significant gap has been identified. Most clients find two or three.”
Kain Carlson — Integrated Advisory · Fargo, ND