By Matt Rogers | CRS – Contractors Risk Solutions
Are you a construction company reviewing your insurance renewal right now? Chances are, your broker or agency just handed you a “Steward Report.” It’s packaged nicely, full of stats and summaries, and designed to show you all the “value” they delivered over the past year.
But here’s the truth: If they have to hand you a Steward Report to prove their worth… they may have already lost your business.
What Is a Steward Report?
A Steward Report is a year-end summary most insurance agencies provide at renewal. It usually includes claims history, premium trends, service highlights, and policy comparisons. On paper, it’s a useful tool—especially for larger brokers who rely on formal presentations to justify renewal.
But at its core, a Steward Report is a sales document. It’s designed to convince you to stay.
The Problem: Service Shouldn’t Be a Surprise
Don’t get me wrong—Steward Reports aren’t bad. They’ve been around for decades because they do serve a purpose. But let’s call it like it is:
If the only time you feel your broker’s support is during the renewal presentation, something’s wrong.
You shouldn’t need a report to understand what your broker did for you. You should know—because you felt it throughout the year. Real service happens in real time:
- Helping close out claims
- Delivering fast certificates
- Keeping premiums down
- Offering proactive support when something goes wrong
If your broker is only showing up at renewal time with a slick presentation, they’re not doing their job. And you deserve better.
What Real Service Looks Like
At CRS, we believe insurance is not a once-a-year conversation. Our clients hear from us regularly—not just when it’s time to renew. We believe in proactive support, not reactive justification.
We don’t wait to prove our value. We show it—daily, weekly, monthly.
You should feel confident heading into renewal because you already know we’ve been working on your behalf. Not because a PDF told you so.
Final Thought: Don’t Settle for Reactive Service
The Steward Report might look professional. It might even be impressive. But if you need a report to understand your broker’s impact, ask yourself: Where were they all year?
You deserve more than a recap. You deserve a partner who’s been in your corner from day one.
Want to talk more about what real construction insurance support looks like?
📧 Email me directly or check out our other blogs and videos for more insights.
