The typical insurance broker is content to provide you an "apples-to-apples" coverage comparison and hopes to win your account simply by offering the lowest price for what you already have. The disadvantage of the "piggyback" strategy to you is that it can perpetuate unidentified problems that expose your business to potentially devastating financial consequences. Understanding the difference between price and cost could be an expensive lesson to learn. Our consultative approach is what sets SBW apart from most insurance brokers. We focus on learning about your operations and the challenges facing your business through our risk and insurance audits. Only when exposures to loss have been identified and measured, can a cost-effective insurance and risk management program suitable for your operations be properly designed.