Melton & Co Risk Management | Insurance & Work Comp Advisory
Experienced advisors. Proactive guidance. Hands‑on support.
Commercial Insurance Expertise for Growing & Established Businesses
Melton & Co Risk Management helps businesses reduce risk, control costs, and stay protected with senior‑level insurance guidance. We combine modern tools, hands‑on service, and deep industry expertise to deliver clarity and confidence in every policy.
What we do
Three Ways We Serve Businesses
Industry‑Focused Insurance
We specialize in helping trade contractors, auto service shops, tire stores, landscaping companies, and other hands‑on businesses get the right coverage at the right price.
Learn more
We also support general businesses that need experienced insurance guidance without the complexity or disruption of switching carriers.
Industries we serve include:
- Plumbing, electrical, HVAC, carpentry, painting
- Plumbing, electrical, HVAC, carpentry, painting
- Janitorial and maintenance
- Auto repair, auto body, tire shops
- Landscaping (maintenance‑focused)
- Light manufacturing
- Retail, service, and local businesses
- Golf courses and recreational facilities
Work Comp Advisory
Work Comp is one of the biggest cost drivers for many businesses — and most agents don’t know how to manage it.
We do.
Learn more
Our Work Comp advisory program includes:
- Experience mod audits & verification
- Classification & payroll review
- Return‑to‑work program design
- Injury triage setup
- Claims strategy & reserve review
- Safety & loss control coordination
- Annual Work Comp roadmap
- Mid‑year and pre‑renewal reviews
- We don’t quote Work Comp — we engineer it.
Advisor Upgrade Program
Many businesses are satisfied with their insurance carrier but want better service, clearer communication, and someone they can call when something goes wrong.
Learn more
Our Advisor Transition Program lets you keep your current insurance policies and carriers while transitioning to a senior‑level advisor who provides proactive guidance and hands‑on support.
Step 1 — Due Diligence Review
We review your current insurance program to ensure accuracy, identify gaps, and confirm your carrier is still the right fit.
Step 2 — Advisor Transition
You keep your coverage and carrier — we simply become your advisor.
Step 3 — Service Upgrade
We take over communication, claims support, Work Comp guidance, and renewal planning.
Step 4 — Long‑Term Partnership
We proactively manage your insurance year‑round to help you control costs and stay protected as your business grows.
Better service. Same coverage. Zero disruption.
Apartment & Multifamily Insurance
Insurance built for 25+ unit multifamily properties — from regional owners to institutional investors. We specialize in how multifamily is actually underwritten, not generic commercial coverage.
Learn more
We specialize in market-rate multifamily, from small regional owners to institutional investors with professionally managed assets.
Step 1 — Review Review your current program.
Step 2 — Identify Identify valuation issues, missing coverages, and overcharges.
Step 3 — Benchmark Benchmark against similar buildings in your region.
Step 4 — Build Build a corrected program.
Step 5 — Transition Use a BOR to move the account cleanly and quickly.
Why Melton & Co
Senior‑Level Expertise, Every Time
You work directly with experienced advisors — not junior staff, not call centers, not trainees.
Modern Tools + Hands‑On Service
We use technology to make insurance easier and more transparent, while still delivering personal, responsive support.
Proactive, Not Reactive
We stay ahead of claims, pricing changes, and risk trends so you always know what’s coming.
Focused Niches, Broad Capability
We specialize in contractors and auto service businesses, but we support a wide range of local and regional companies that value experienced insurance guidance.
Start Your Risk Review
Get the insurance guidance your business deserves.
Melton & Co Risk Management
Senior‑level advisors. Modern tools. Hands‑on support.