RateCraft

RateCraft If you're a business owner we invite you to explore a better way to manage your insurance portfolio - a way that puts you in charge. http://www.ratecraft.com

RateCraft lowers business insurance costs between 10%-70%. We have a 98% success rate, even on health insurance. No need to change agent or insurance carriers, we just lower the cost and improve coverage.

Want to cut insurance costs before year-end? We can help. Ratecraft’s forensic audit finds savings with no broker, no ch...
12/25/2025

Want to cut insurance costs before year-end? We can help. Ratecraft’s forensic audit finds savings with no broker, no changes to your policies, and you pay only if we find savings. Simple. Risk-free. Ready to save? Learn more: https://wix.to/gWKQpMx

Need clarity on insurance spend this Christmas? We can help. I uncover hidden savings through forensic insurance audits ...
12/25/2025

Need clarity on insurance spend this Christmas? We can help. I uncover hidden savings through forensic insurance audits — fast, thorough, and practical. Save money. Reduce risk. Improve your bottom line. Ready to review your policy? Visit https://wix.to/LzIqhg4 🎄💼

Want to control insurance costs without sacrificing coverage? We’ve got practical budgeting strategies just for leaders ...
12/24/2025

Want to control insurance costs without sacrificing coverage? We’ve got practical budgeting strategies just for leaders like you. Quick wins: 1) Review policy terms 2) Bundle where it makes sense 3) Use data to negotiate premiums 4) Invest in risk prevention. Ready to lower spend and protect your business? Learn more: https://wix.to/Q9oPlMy 🔍📉

Worried your company is overpaying for insurance? We find the waste and deliver real savings. Fast, forensic audits tail...
12/23/2025

Worried your company is overpaying for insurance? We find the waste and deliver real savings. Fast, forensic audits tailored for mid-sized and large businesses. What could you do with the extra cash? Get a clear savings plan today. https://wix.to/g1zc7S7 🚀📊

CFOs and CEOs: want audit recommendations that put your bottom line first? We only get paid when we find savings. No com...
12/22/2025

CFOs and CEOs: want audit recommendations that put your bottom line first? We only get paid when we find savings. No commissions. No carrier swaps. No conflicts. Just vendor-neutral audits that prioritize cost reduction. Simple results: verified savings, no disruption, full transparency. Ready to see what we can save you? Visit https://wix.to/stRqbRI 🔍💼

Is rising health insurance costs draining your business? 🤕 Discover how this trend affects not only your bottom line but...
12/19/2025

Is rising health insurance costs draining your business? 🤕 Discover how this trend affects not only your bottom line but also the well-being of your entire team. Explore solutions through transparency and proactive measures. Read more: https://wix.to/OX6Jy47

Want to cut insurance costs and boost your bottom line? Learn from proven case studies that show exactly how savings wer...
12/19/2025

Want to cut insurance costs and boost your bottom line? Learn from proven case studies that show exactly how savings were found and captured. Quick wins, strategic moves, measurable impact. Read real examples and decide what fits your company. Visit https://wix.to/IevlBHI to get started.

Are you overpaying on insurance premiums? We find out — and recover what’s yours. Our forensic audits pinpoint errors, r...
12/17/2025

Are you overpaying on insurance premiums? We find out — and recover what’s yours. Our forensic audits pinpoint errors, reduce costs, and improve cash flow. Quick. Precise. Proven. Ready to save? Visit https://wix.to/Tgb6yKg to get started.

Tired of paying more than you should for insurance? We audit without vendor ties so you get impartial answers and real s...
12/16/2025

Tired of paying more than you should for insurance? We audit without vendor ties so you get impartial answers and real savings. We find errors, spot gaps, and negotiate clearer terms. Ready to reduce premium waste? Visit https://wix.to/zNvkCaU for a free assessment.

CFOs and CEOs — want real savings with zero disruption? We find cost wins without risk. Fast audit. Clear recommendation...
12/15/2025

CFOs and CEOs — want real savings with zero disruption? We find cost wins without risk. Fast audit. Clear recommendations. No operational headaches. Ready to protect margins and free up cash? Visit https://wix.to/HFImr5G to get started.

Want tighter control of your insurance spend? We help you build a smarter budget that protects your company and frees up...
12/12/2025

Want tighter control of your insurance spend? We help you build a smarter budget that protects your company and frees up cash. Quick wins: 1) Prioritize high-impact coverages. 2) Bundle where it makes sense. 3) Review annually. Ready to see numbers that work? Visit https://wix.to/JtPRtrt 🔍💼

12/02/2025

Schedule a call with us and we will provide you with a free agent fee assessment, this alone can save clients $10k-$600k with just the knowledge -as they say knowledge is power

Address

6965 El Camino Real, Ste 105
Carlsbad, CA
92009

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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Our Story

RateCraft is the nationwide leader in business insurance advocacy. That means we do not represent insurance companies or agents, and we do not sell insurance. Instead, we work solely with you, the business, to ensure that you are getting the best rates with the same (or even better) insurance coverage through our proven negotiation tactics with your existing carrier.

At RateCraft, we are industry-expert consultants who live, eat and breathe insurance every day, 24/7/365. We use that expertise to get you better insurance coverage at a lower cost, and our results speak to our success: over 1,200 optimized projects, well over $20 million in saved premiums over 20 years as an industry leader.

The fact is, the insurance sales network is stacked against you as the buyer. We’re in the business of leveling the playing field by negotiating on your behalf. Our average savings per business is 35%, and we’ve even saved clients as much as 74% on insurance costs.