The methodology centers on a three-stage process—Issues, Implications, and Interventions—intended to force a departure from the industry standard of treating insurance premiums as a complete risk strategy. By analyzing how risks compound across a company’s people, property, products, and profits, the framework aims to address vulnerabilities that typical policy renewals often overlook.

Amanda Shults, National Practice Leader for Property & Casualty at OneDigital, notes that many firms mistakenly view insurance as a primary strategy rather than a final line of defense. The new approach connects disparate business data points, such as workforce pressure and cyber vulnerabilities, to help leaders prioritize actions that reduce risk exposure regardless of their specific insurance carrier or coverage terms. The framework is now being deployed across OneDigital’s specialty practices, including construction, real estate, and medical professional liability.