Is it time to hire an independent consultant (or rent a Risk Manager)?

When sending you your policies, does your agent or broker suggest that you (the policyholder) review & check them for accuracy & correctness, instead of them doing that?
Do your insurance renewals always seem to reflect premium increases (in hard markets), but rarely premium reductions, despite good loss experience and market softness? (This is known as “Premium Plateauing".)
Do your broker's/agent's responses to your risk management issues always seem to call for purchase of yet more, costly insurance, instead of the use of the other four risk management techniques?
Are your broker’s renewal proposals usually rendered at the last minute in lieu of by reasonable deadlines?
Are your policies delivered on a timely basis (i.e., within 30 days of renewal)?
Are your deductibles inconsistent and “all over the place” instead of being at a consistent, reasonable level over all your exposures to loss, and consistent with your risk corporate tolerance?
Are your annual premiums over $100,000 annually?
Are your policy audits carefully checked for accuracy against the rates in your policy (GL, Auto, W.C.)?
Are your contracts (i.e., leases, service agreements, etc.) reviewed for risk & insurance implications and amendments, prior to your actually signing and executing them?
Do you give adequate consideration to the single most important factor you should have in mind prior to purchasing any insurance policy?
Are all your policies reviewed (page by page) at each renewal year insofar as proper coverage of all your exposures, inclusion of all relevant forms/endorsements and compliance with your broker’s/agent’s proposal?