Studio
| Field | Expiring · Hartwell Mutual | Quote A · Alder National | Quote B · Crestline |
|---|---|---|---|
| ⚑Total annual premium | $15,340 | $18,940 | $16,210 |
| ⚑Property deductible | $2,500 | $2,500 | $10,000 |
| ⚑Wind/hail deductible | None | 1% | 1% |
| ⚑Addl insured – completed ops (CG 20 37) | Included | Included | Not included |
| Liability limits | $1M occ / $2M aggregate | $1M occ / $2M aggregate | $1M occ / $2M aggregate |
| Building & BPP | $850,000 / $210,000 | $850,000 / $210,000 | $850,000 / $210,000 |
Recommend Quote A (Alder National). The renewal costs more either way; Quote B's $2,730 savings does not survive its $10,000 deductible or the missing CG 20 37 that the expiring policy carried – binding B as-is would put Kestrel in breach on every active job.
We compared two quotes for your business insurance against your expiring policy – one from Alder National, one from Crestline. Both cover your building, equipment, and liability at the same limits. Four things stand out, and three of them matter.
- Out of pocket after property damage: $2,500 with Alder National vs $10,000 with Crestline.
- Contract coverage your general contractors require: included with Alder National; missing from the Crestline quote.
- New this renewal: both quotes add a wind/hail deductible of about $8,500 – storm damage that used to cost you $2,500 out of pocket now costs more.
- Price: both quotes are up from last year – Crestline by about $73 a month, Alder National by about $300.
The Alder National quote. The monthly savings on the other option disappears the first time either difference matters – and the missing contract coverage would put you in breach on active jobs.
What Studio
Does
Studio is a coverage analysis tool for brokers. Upload up to eight documents – policies, quotes, or a mix – and Studio reads every word, table, and form. It produces two outputs: a broker-facing report that surfaces coverage changes, material differences, missing endorsements, and non-standard language, and a client-facing summary that downloads as a PDF or presentation. A comparison that takes half an hour of side-by-side reading comes back in minutes.
The coverage read that only the biggest accounts used to get – every definition, every exclusion, every change from expiring – now on every account, in minutes.
Broker Review, in the
Right Places
Studio is a coverage expert – trained on Hawaii-specific insurance terminology by Hawaii insurance experts, it understands what matters for the insured. It reads, ranks, and names a best pick with its reasoning on paper. Recent advances in the technology have made it more reliable and accurate than ever; brokers should still review every output, but the review takes minutes, not the half hour the reading used to. The report flags what changed from expiring, what's missing, and any language that changes how a claim would be paid – the broker decides what reaches the client.
Simple Input,
Simple Output
Upload documents. Receive expert reports. Download as PDF or PPTX. No AMS integration required. No portal to learn. Policy data stays encrypted and segregated – Studio does not train on uploaded documents or share data across deployments.