De-Risk Compass is Navigator’s proprietary revenue restructuring methodology that cuts your insurance costs at the source.
15-40%
Reduction in
Insurance Premiums
25-50%
3-5x
$250K+
The Way You Make Money Is Costing You More Than You Realize
If you’re like most business owners, you’ve accepted insurance premiums and claims costs as a fixed line item — just another cost of doing business. But here’s what your broker won’t tell you: the way your revenue is structured is directly inflating your risk profile, driving up your premiums, and triggering more claims than necessary. You’re not stuck with those numbers. You just haven’t restructured your way out of them yet.
You’re Overpaying — and It’s Avoidable
Your Claims Are a Symptom, Not Just Bad Luck
You’re Leaving Six Figures on the Table
What is De-Risk Compass?
3 Moves That Change Everything
De-Risk Compass doesn’t shop your insurance to a cheaper broker. It attacks the root cause — restructuring how your business earns revenue so your risk profile drops and your premiums follow.
Revenue Analysis
Revenue Analysis
Risk Restructuring
Risk Restructuring
Cost Optimization
Cost Optimization
HOW IT WORKS
Four Steps to Paying What You Should
Have Been Paying All Along
Discovery & Assessment
We dig into your revenue model, insurance program, claims history, and risk exposures to pinpoint exactly where you're overpaying and why.
Strategic Restructuring Plan
You get a custom roadmap showing exactly what to change in your revenue model to drop your risk classifications, kill claims triggers, and become a better risk on paper.
Implementation & Optimization
We execute the restructuring alongside your team, then go back to the insurance market and renegotiate — armed with a fundamentally improved risk profile.
Ongoing Monitoring
As your business grows and changes, we track your claims data, premium trends, and revenue mix to make sure the savings stick — and keep compounding.
WHO THIS IS FOR
If You Run a Business in One of These
Industries, You're Overpaying
Construction & Contractors
High workers' comp and GL exposure restructured through subcontractor models
Transportation & Logistics
Fleet risk reduced via revenue allocation and contract restructuring
Manufacturing
Product liability costs lowered through tiered service and warranty models
Professional Services
E&O exposure minimized through scope and deliverable restructuring
Healthcare & Home Services
Claims frequency reduced via scheduling and service delivery optimization