Problems › Small Business Consulting Services › Insurance Brokers
The category is unregulated and the quality range is enormous, so selection is most of the decision — and the usual selection method, a referral, controls for likeability rather than for competence. This page works through it for insurance brokers specifically — including an unedited excerpt from a real analysis of an insurance broker.
The category is unregulated and the quality range is enormous, so selection is most of the decision — and the usual selection method, a referral, controls for likeability rather than for competence. What makes this harder for insurance brokers is structural: 71 percent of revenue flows through carrier commissions while shifting an incremental 8 percent to fees would require replacing 142 renewal accounts and cut near-term margin by 1.8 to 2.3 points. Any credible answer therefore has to hold 19.0 and 91.2 in the same view, which is exactly where most internal analysis stops because the two live in different systems.
The structural problem in this market is that the buyer is least equipped to judge the product at the moment of purchase. A small business owner hiring a consultant is, by definition, buying expertise they do not have, and there is no credential that reliably signals it. Anyone may use the title. The result is a market where price correlates weakly with quality in both directions — some of the most useful advisers are cheap because they work alone and do not market, and some of the most expensive are selling a franchise playbook that was not written for your business.
The second thing worth knowing is that most small-business problems are a short list, and they are diagnosable from numbers you already have. Which products or jobs actually make money once the owner's time is costed. Whether growth is limited by demand or by delivery capacity. Whether the business is profitable but cash-poor because of the conversion cycle. Whether the owner is the constraint. An adviser who starts with those, rather than with a framework or a goal-setting exercise, is engaging with the business.
The failure mode to watch for is the generic playbook — the same three interventions applied to every client regardless of what the numbers say, usually some combination of raising prices, hiring a salesperson and installing a CRM. Each of those is right for some businesses. Applied without diagnosis they are a coin flip, and the ones that work get used as case studies while the ones that do not are attributed to execution.
Growth Strategy (catalog id t4) does the diagnostic half against your own figures — where contribution actually comes from, which growth lever is currently unblocked, and what the constraint is. It is a much smaller purchase than an ongoing retainer and it makes the retainer decision an informed one, including the case where the honest answer is that you need an operator on the ground rather than more analysis.
These three together are the signature. One on its own usually points somewhere else.
✓ The proposal describes a programme rather than a diagnosis
✓ The recommendation is known before your numbers have been seen
✓ The adviser cannot name a client they were wrong about
The move that usually makes it worse. Selecting on rapport and referral, which is a good filter for whether you will enjoy the meetings and a poor one for whether the advice fits your business.
It is for you if you run or finance an insurance broker and the proposal describes a programme rather than a diagnosis. It is the situation where the numbers are available but nobody has put them in an order that produces a decision.
It is not for you if Percision is the wrong tool if you already know the answer and only need execution capacity, or if the business is pre-revenue — then the constraint is evidence about the market, not analysis of your own figures. Percision is not a lawyer, tax advisor, auditor, licensed appraiser, clinical or regulatory filer, or an AI implementation shop. It does not do HR casework, creative-only brand work, or impersonate a named consulting firm. It is a strategy analysis engine — not a template library. Also wrong if you need facilitation, politics, or someone to sit with a lender or buyer. Those are human jobs.
Percision is not a lawyer, tax advisor, auditor, licensed appraiser, clinical or regulatory filer, or an AI implementation shop. It does not do HR casework, creative-only brand work, or impersonate a named consulting firm. It is a strategy analysis engine — not a template library.
Below is an excerpt from a real run of this analysis on an insurance broker. It is a sample profile rather than a customer, and it is unedited engine output — this is the format you get, on your own numbers.
The subject is Kesterline Risk Partners, a sample company profile used for testing rather than a customer — 47.8 million dollars in total revenue from commissions and fees.
Excerpt from a real Percision run · Cost Reduction & Efficiency · sample company profile
The move. Convert 460 commission accounts to fee retainers, funding a $3-5M digital workbench from productivity gains while staying inside the $4.8m investment ceiling.
| Investment required | $3.0-5.0M total (base $3.0M, upside $5.0M for accelerated digital workbench) |
| Expected return | 3.2-4.8× over 36 months on $3-5M investment, based on +$4.2-8.5M incremental fee revenue at 35-45% gross margin versus current 19% operating margin. |
| Revenue, year 1 | $50.1-51.8M total revenue (+$2.3-4.0M incremental fee) |
| Revenue, year 2 | $54.4-57.9M total revenue (+$6.6-10.1M incremental fee) |
| Revenue, year 3 | $58.2-64.8M total revenue (+$10.4-17.0M incremental fee) |
| Exit criteria | Strategy should be reversed if, within 12 months, pilot conversion rate falls below 15% OR incremental churn exceeds 5% OR producer productivity drops below $600k average; OR if, within 24 months, cumulative fee revenue does not reach $6.6M incremental run-rate. |
This is one move out of a full analysis. Read a complete report — every page, no email required.
This question routes to Growth Strategy, one of 29 engagements the platform runs. For insurance brokers it works through 19.0, 91.2, 664 and 31, then produces the sequence rather than a list of options — which move first, what it funds, and the observation that would say the sequence is wrong.
You watch the analysis get built before paying anything. Read a complete report here if you would rather see the depth first.
For a defined piece of work — a pricing review, a profitability analysis, a growth diagnosis — £3k–£15k is the normal mid-market range and is usually enough. Open-ended monthly retainers of £1,500–£5,000 are common and are worth it only when there is ongoing delivery, not ongoing advice. If you are paying monthly for meetings, the meetings should be producing decisions you can name.
More often the latter than the market admits. A large share of small-business strategy questions are answered by disaggregating figures the business already produces but only ever looks at in total. If nobody has ever shown you contribution by product, by customer and by channel, that analysis is the first purchase and it is not expensive.
A coach works on the owner; a consultant works on the business. Coaching is about decisions you are avoiding, habits and accountability, and it genuinely helps some owners. Consulting is about what the right decision is. Confusing them is common, and paying consulting fees for accountability is the more expensive direction of the mistake.
Materially, yes. 71 percent of revenue flows through carrier commissions while shifting an incremental 8 percent to fees would require replacing 142 renewal accounts and cut near-term margin by 1.8 to 2.3 points — which changes both the diagnosis and the order of the fixes. The metrics that decide it here are 19.0, 91.2, 664, and an answer built on industry-general benchmarks will usually point at the wrong one first.
Less than most people expect. Your last twelve months of revenue and cost split the way you already split it, plus whatever you hold on 19.0 and 91.2. The analysis is explicit about what it is assuming where your data stops, which is more useful than waiting for numbers you may never have.
Percision is the wrong tool if you already know the answer and only need execution capacity, or if the business is pre-revenue — then the constraint is evidence about the market, not analysis of your own figures. Percision is not a lawyer, tax advisor, auditor, licensed appraiser, clinical or regulatory filer, or an AI implementation shop. It does not do HR casework, creative-only brand work, or impersonate a named consulting firm. It is a strategy analysis engine — not a template library. Also wrong if you need facilitation, politics, or someone to sit with a lender or buyer. Those are human jobs.
Percision is not a lawyer, tax advisor, auditor, licensed appraiser, clinical or regulatory filer, or an AI implementation shop. It does not do HR casework, creative-only brand work, or impersonate a named consulting firm. It is a strategy analysis engine — not a template library.
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