The real estate team provided detailed analytics and a specific long-term strategy. Our advice was to restructure the program so that they were no longer “trading dollars” with the insurance company. AP moved the property placement from traditional property insurance to a “dividend-like” program that provided a win-win for the insurance carriers and the property owner. The insurance carriers’ attachment point was higher. At the same time, the property owner could save up to 30% of their property premium with favorable losses. In addition, AP convinced the real estate owner that increasing their general liability deductible from $2,500 to $25,000 was intelligent risk for them to take on. The premium savings to go to a $25K deductible offset the cost of the claims under the $25K deductible and provided a long-term, stable program going forward.