New Day recently established a new broker relationship in which the insured, an International remediation contractor, was new to our partner broker via Broker of Record (BOR).  The broker partner came to New Day seeking renewal solutions.   The insured had a high loss ratio and thought they had the broadest coverage since the account was previously with a national broker.  New Day restructured the program and negotiated broader coverage that included identifying a missed insured, broadening foreign coverage, adding site pollution coverage and adding emergency response coverage.   The incumbent insurer was pressing for a large premium increase due to the loss ratio.  However, New Day was able to broaden the coverage and ultimately negotiated a flat premium with the incumbent insurer.