Your Questions, Answered

  • No. Mercato provides independent advisory services and does not sell, place, or receive commissions from insurance products.

  • Brokers place insurance and represent clients in the market. Mercato provides independent oversight and governance support to ensure insurance programs align with enterprise risk strategy.

  • Mercato can either complement internal teams or serve as a fully outsourced insurance portfolio function, depending on the organization’s structure and complexity.

    For some mid market organizations, outsourcing corporate insurance oversight provides access to senior level expertise while reducing fixed overhead. This model can improve governance, enhance renewal discipline, and deliver cost efficiency without expanding internal headcount.

    Each engagement is structured based on the organization’s size, risk profile, and long-term objectives.

  • Yes. We collaborate with licensed brokers while representing the organization’s interests independently.

  • Both. We offer structured reviews, RFP advisory, and claims assessments, as well as ongoing portfolio oversight arrangements.

  • Mid-market to upper mid-market organizations operating in financial services, energy, consumer, and complex operational industries.