Melton & Co Risk Management | Insurance & Work Comp Advisory
Melton & Co Risk Management | Insurance & Work Comp Advisory
Services
Industry-focused coverage, Work Comp cost control, and hands-on advisor support — all delivered by senior-level advisors who know your industry.
01 — Service
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. We tailor limits, endorsements, and carrier selection to match your specific trade, exposure, and growth stage — not a generic policy pulled off the shelf.
We also support general businesses that need experienced insurance guidance without the complexity or disruption of switching carriers. If you’re a growing business that values clear communication and hands-on support, we can help.
Industries we serve:
Plumbing, electrical, HVAC, carpentry, and painting · Janitorial and maintenance · Auto repair, auto body, and tire shops · Landscaping (maintenance-focused) · Light manufacturing · Retail, service, and local businesses · Golf courses and recreational facilities
02 — Service
Work Comp is one of the biggest cost drivers for many businesses — and most agents treat it like a once-a-year renewal task. We take a different approach. Our structured advisory program is designed to help you reduce claims, improve your experience mod, and gain year-round clarity and control over your costs.
We don’t quote Work Comp — we engineer it. From experience mod audits and classification reviews to return-to-work strategy and claims guidance, we manage every lever that affects what you pay.
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
03 — Service
Many businesses are satisfied with their insurance carrier but frustrated with their advisor — slow responses, unclear communication, and no one to call when something goes wrong. Our Advisor Transition Program lets you keep your current policies and carriers while upgrading to a senior-level advisor who actually shows up.
Better service. Same coverage. Zero disruption.
How it works:
Step 1 — Due Diligence Review: We review your current program for accuracy, gaps, and carrier fit.
Step 2 — Advisor Transition: You keep your coverage — we simply become your advisor.
Step 3 — Service Upgrade: We take over communication, claims support, and renewal planning.
Step 4 — Long-Term Partnership: We proactively manage your insurance year-round as your business grows.
Get Started
Share a few details and we’ll be in touch to schedule your no-cost risk review. No commitment, no sales pressure.
