ACV vs RCV: How a Claim Check Gets Built
ACV and RCV are not just acronyms. They change the math of a claim check and the timing of what you get paid.
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BRIAN BERGE
INDEPENDENT AGENT
As an independent agent at Preferred Insurance in Arden Hills, MN, with access to 17 A-rated carriers, I do two things: I pressure-test the price, then pressure-test the coverage.
That’s usually where better coverage and lower cost meet.
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Success
APPROACH
Independence
I work for you, not a carrier. Access to 17 A-rated carriers means I compare the market instead of hoping one option fits.
Pricing
Most people decide based on price, so I start there. If I can't save you enough to make it worth your while in an apples-to-apples coverage comparison, it's not the right time.
Coverage
I take a needs-based instead of a one size fits approach and explain the risks and tradeoffs along the way.
Carrier Access
Access to 17 A-rated carriers, seven of which are A+. True one-stop shopping for home, auto, business, and life insurance.
Local Expertise
I'm at Preferred Insurance Services in Arden Hills, MN. We've been around for 33 years and understand Minnesota's insurance.
Specialties
Individuals, families, construction/trades, and restaurant owners. I design AI systems to optimize workflows and compare coverage—CISSP-certified to explain cyber risk in practical terms.
Latest Articles
Active Jobsite Operations: Liability While Work Is Ongoing
Active jobsites create overlapping liability exposure that underwriting tiers price before completed work exists.
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Completed Operations: Claims That Surface After You're Gone
Completed-ops claims surface years later because underwriting assumes latent defects and long-tail exposure risk.
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Heavy and Mobile Equipment: Losses Beyond Theft
Mobile equipment losses include rollover and transit damage that deductibles and inland marine terms control.
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FAQ
How do you decide when switching carriers is worth it?
I start with an apples-to-apples comparison. If the savings are real after matching coverage and deductibles, we move forward. If not, I’ll show you what’s driving price so you can decide whether to wait or adjust structure.
Do you only quote, or do you place coverage too?
I can place coverage, but I won’t pressure you to move. The point is to understand tradeoffs and pricing mechanics so you can decide with full context.
How fast will you respond?
Usually within 24 hours. If you have a renewal deadline, tell me the date and I’ll prioritize it.