Compare. Recommend. Bind. Service.

Four steps, and we show our work at every one.

1. Compare

You answer one set of questions. IronKey Exchange sends them to every market we can reach at the same time - admitted carriers, digital programs, and, when the admitted markets close, the specialty and surplus-lines path - without asking you anything twice. Markets that time out are named; partial results are still results.

2. Name the gap

We normalise every quote onto the same coverage codes, then read the form. Each option is priced as total cost of risk: the premium and fees, plus what you would expect to retain under the deductible, plus the expected annual cost of what the form excludes or omits. That last number is the one nobody else shows you.

3. Place it

A licensed producer reviews the recommendation, its rationale, and the remaining gaps, and binds it. The rationale is stored with the file for as long as the law requires. Our automated assistant can do a great deal - it cannot advise you, and it cannot bind.

4. Service it like the book is ours

Because it is. Every document you see is also filed in AMS360, our system of record. Every change request becomes a tracked activity. At 60, 30, and 15 days before renewal we re-shop against your incumbent and tell you the truth about whether moving is worth it - including when it is not.

What "total cost of risk" actually means

Take two homeowners quotes. One is $2,006. The other is $2,848. The cheaper policy settles the roof at depreciated value after ten years, excludes cosmetic hail damage, drops ordinance-or-law coverage, and has no water-backup coverage. We convert each of those into an expected annual dollar figure using published claim frequency and severity, add the deductible you would carry, and rank on the sum.

Often the cheaper policy is still right. Sometimes it costs more than the expensive one. Either way, you get to see the arithmetic rather than a star rating.