GL, workers' comp, BOP, commercial auto, umbrella — written by three different carriers, with nobody managing the whole picture. We find the gaps in 20 minutes.
When a claim crosses lines — a customer injury, a job-site lawsuit, an employee accident in a company truck — that's exactly where the payout falls apart.
GL covers one slice. Auto covers another. The umbrella you don't have was supposed to cover the rest.
Class codes drift, payroll grows, audits surprise. Most contractors haven't had a real comp review since buildout.
Replacement cost on commercial property in Utah has moved — most policy limits haven't.
20 minutes with a licensed Utah commercial agent. Multi-carrier access, packaged like a single relationship — not five disconnected invoices.
"We don't sell policies. We review the whole household — or in your case, the whole operation — and tell you exactly what you have, what you're missing, and what it should cost."
Where your general liability ends and the next policy is supposed to begin.
Code review against your actual operations — before the carrier audits you.
Building, BI, equipment — measured against today's rebuild and downtime numbers.
Who drives, what they drive, and what happens if they're driving their own car for you.
The cheapest dollar of liability protection — and the most systematically undersold.
If we move you, we handle cancellations, certificates, and coverage continuity. No gap, no admin.
Captive agents (State Farm, Farmers, Allstate) can only sell you what their parent company writes. When your renewal jumps 20–30%, they have nothing else to show you.
Rhino places across multiple carriers. If one hardens, we move you. If a niche carrier prices your trade better, we use it. The relationship doesn't change — the back-end does.
Tell us during the booking call. We can prioritise the certificate while we review the underlying policy in parallel.
Sometimes it is. Often it isn't — class codes are misapplied, ex-mod isn't optimised, or a different carrier prices your trade meaningfully better. We'll tell you which one it is.
That's exactly where the gaps live. The review's whole job is to put them on one page and show you where the seams are.
No. We sequence renewals so each line moves on its own schedule. You're never exposed and never doing it all in one painful week.