Strategic Risk Advisory
After four decades as broker, structuring and negotiating complex property & casualty insurance programs taught me how the business really works - from the inside.
Now working exclusively ClientSide: I provide fiercely independent, straight-talk advisory throughout the year, not just at renewal. I analyze details, we discuss alternatives, you make the decisions, and I remain engaged as your broker places the insurance - confirming what was decided is what gets delivered.
The goal - highest possible risk transfer at lowest possible cost - you move forward with deeper assurance of exposures being thoroughly vetted, options stress-tested, and your interests remain the overriding priority.
Proven Results
"Our underwriting strategies have been refined with technical precision, resulting in a 15% reduction in liability costs across our portfolio."
James Sterling
Managing Partner of Real Estate Developer
"Authoritative and technically sound. Seltzer delivered significant cost-reducing strategies that were immediately applicable."
Marcus Thorne
High Net Worth Family
"The technical underwriting expertise at ClientSide Risk helped us optimize our insurance spend with unmatched precision."
Victoria Kensington
President of Manufacturing Company
"Seltzer taught me more in 2 hours than I learned in 37 years. Deep, thorough, straight-talk"
Eleanor Vance
Senior Counsel Philadelphia Law Firm
Expertise
Claims Guidance
Risk Transfer
TCOR Solutions
Understanding what occurred coupled with our in-depth policy review, positions us to present a complete picture to insurers ... one-time, a complete organized picture, little-to-no questions. My standard - no boxes of puzzle pieces rather a completed puzzle, no missing pieces.
Additional Insured plus other insurance requirements contained in agreements with all you engage, followed by thorough review and assuring compliance
We deliver cost reduction strategies and Total Cost Of Risk solutions to your entire risk management program
Coverage Audit
Our analysis includes recommendations in compliance with existing requirements which when be shared with your agent/broker is designed to drive down costs, assure limits & deductibles are at the optimum level, and remove unnecessary coverage
Current Agent/Broker Assessment
Cohen-Seltzer, Inc. won more the PAR Excellence - Quality Assurance award 21 consecutive years (1991-2013), only 1 other broker in the USA can make this claim. Our objective assessment will confirm staying with your current relationship is the right call - or reveal it may be time to consider an alternative
Liability Reduction Strategies
Protecting your balance sheet is our mission. ClientSide Risk identifies where risk can be shifted to third parties - lowering costs and safeguarding your business and personal net worth.
Insights
Industry Publications
"Modular Advantage" – Feature in the Modular Building Institute publication – modular.org
"Modular Advantage"
"Navigating Insurance Challenges in Modular Construction Industry" - July/Aug 2024
"Modular Advantage"
"Modular Manufacturing & Construction - Design & Engineering Risk Management" - July/Aug 2025
"Development" – Published by NAIOP (now CREDA) – CREDAGlobal.org
"Navigating Risk in Commercial Real Estate & Modular Construction" - Jan/Feb 2026
"Renting Balance Sheet - How Developers Attract Lower-Cost Insurance" - Fall 2026
Webinars & Panels
To receive a full copy of any article, please email DSeltzer@ClientSideRisk.com
"Using the DHS SAFETY Act to protect your business" – PwC sponsored - panelist 2020
"Student housing risk management & insurance" - NMHC Student housing conference - Austin, Tx - speaker 2011 & 2012
"Directors & Officers Liability and Pandemic Risk - ULI's Recreational Development Product Council - May 2020
"Navigating Real Estate development risk - ULI's Recreational Development Product Council - february 2021
Continuing Education subjects
"Introduction to property & casualty insurance" - offered to several law & accounting firms
"Insurance Certificates - More Than a Piece of Paper?" - offered to several law & accounting firms