OUR HAPPY CLIENTS
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FACT
The Hidden Problem Costing You Millions
Your insurance premiums go up every year.
You show the board another increase, and hope your broker is doing their job.
But here’s what no one tells you:
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Your broker gets paid more when you pay more
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You’re likely paying for coverage no one uses
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And you’re making decisions in the dark
If you don’t take control, the costs keep climbing.
And the board keeps looking to you for answers you don’t have.
That’s not fair. You’ve never been given the tools to challenge the system... until now.
HOW WE SAVE YOU MONEY
The C.L.E.A.R. Audit System™
Confirm the Leak
You share basic plan data. We show cost trends and red flags.
Locate Waste
We audit line-by-line. You see inflated fees and unused features.
Examine Broker Bias
We review comp data. You find out who your broker really works for.
Analyze Coverage
We compare your coverage to real use. Cut waste, not benefits.
Reduce Costs
Use our report to save money and look sharp to the board.
ABOUT
Why RateCraft?
Andrea Luoni spent 20+ years working inside insurance brokerage firms.
She saw behind the curtain and didn’t like what she found.
Clients were loyal. Brokers weren’t.
Commissions climbed as premiums soared.
So she flipped the model.
At RateCraft, Andrea and her team only win if you save.
She’s led over 2,000 audits, uncovered $7.1M for a single client, and helped CEOs and CFOs like you stop the financial bleeding without disruption or drama.
REAL CLIENT WINS (NDA-Protected)
Frequently Asked Questions
Q: Can I reduce insurance costs without changing brokers?
A: Yes. We work around your broker, and you keep them if you want.
Q: What’s a forensic insurance audit?
A: A deep review of how much you pay vs. what you actually need. It finds waste that your broker won't mention.
Q: How do I know if I’m overpaying for group health insurance?
A: If your premiums went up more than 10% last year, you probably are. We benchmark your plan.
Q: Do you help with employee benefits, too?
A: Yes. We audit group health, dental, vision, and more.
Q: Will this disrupt my current plan?
A: No. Your team won’t even notice we’re auditing.
Q: Are you an insurance broker?
A: No. We never sell plans or take commissions. We're paid only when you save.
Q: What industries do you serve?
A: Manufacturing, life sciences, tech, logistics, hospitality, non-profits, and more.
Q: How long does the audit take?
A: Most results are delivered in 2–4 weeks.
Q: Do you audit workers’ comp and liability, too?
A: Yes. We cover all commercial insurance lines—property, liability, D&O, and more.
Q: What’s the risk if I do nothing?
A: You’ll likely keep overpaying without even knowing it. And when the board asks why, you’ll still have no answers.
CONTACT
Let’s Work Together
Use the form below to contact us to book a meeting or answer a question. We will reply within 24 hours.