Andrea Luoni

Business Insurance Advocacy - We bring transparency to business' regarding insurance. We don't sell the stuff, we negotiate what you already have!

[Andrea Luoni @RateCraft]

We helped a CFO cut insurance spend without changing carriers. How? Forensic audit found hidden plan leaks — verified savings only. Before: unexpected premium inflation. After: clear savings, budget certainty. Want the same ROI? Learn more: https://t.co/LkvXIOg5Un #CFOs

[Andrea Luoni @RateCraft]

We find broker self-dealing that drains your insurance budget. Examples: hidden commission splits, captive placement. We audit impartially, require no carrier changes, and get paid only if we save you money. Want the numbers? https://t.co/JNAycRkZKn #InsuranceAudit

[Andrea Luoni @RateCraft]

Want budget flexibility without risk? We uncover insurance waste and shows ROI scenarios for mid-sized and large firms. Reallocate savings to workforce programs or reserves. Ratecraft’s contingency pay model. Ready to see numbers? https://t.co/yTLQ2SSJ7c #CFO #InsuranceSavings

[Andrea Luoni @RateCraft]

You have a fiduciary duty to choose unbiased audits. Why trust brokers with hidden incentives? Ratecraft charges only on proven savings — no carrier changes required. https://t.co/WUAUDgGOkK #finance #risk

[Andrea Luoni @RateCraft]

We uncovered real dollars for a mid‑sized employer—no carrier changes, no disruption. Result: 18% cost reduction and $425K recovered. We only earn fees when you save. Want those savings on your P&L? https://t.co/RVj7cAY73P #FinOps #CFOs

[Andrea Luoni @RateCraft]

Are your brokers really working for you—or for their commission? We only get paid when you see verified savings. No commissions. No hidden incentives. Full audit trail. Clear governance. Fiduciary alignment. Want vendor risk you can trust? https://t.co/WqAr5LjkLK #CFO #Finance

[Andrea Luoni @RateCraft]

Are hidden billing errors inflating your insurance spend? We find duplicative charges, coding mistakes, and unmanaged fees fast. Our forensic audit spots inefficiencies and waste — without changing carriers. Want clearer risk control and reporting? https://t.co/4BGqBbk4lL #FinOps

[Andrea Luoni @RateCraft]

Find hidden insurance waste so you can fund benefits or protect margin. What if recovered overpayments paid a $500 annual stipend per employee? We do this without changing carriers or plan designs. Learn more: https://t.co/zzPySl5Zzj #FinOps #CFO

[Andrea Luoni @RateCraft]

Insurance from a variable expense into a predictable budget line. Want proof? Before: Insurance spend = $2.5M + hidden fees; After Ratecraft audit: recover $200K in hidden fees; insurance = $2.3M; variance Same coverage. Stronger margins. https://t.co/UebxP2qkJq #FinanceLeaders

[Andrea Luoni @RateCraft]

I’ll walk you through the C.L.E.A.R. audit—step by step. See how we identify inefficiencies, analyze coverage, spot broker bias, and quantify savings. No carrier changes. No benefits disruption. Curious what hidden savings look like? https://t.co/NJjLYs0myx #CFOs

[Andrea Luoni @RateCraft]

We found hidden employer insurance overpayments — without changing coverage or brokers. Audit steps: 1) data intake, 2) forensics, 3) reconciliation. Result: measurable P&L savings within 90 days. Want a benchmark for your company? https://t.co/cIPt52K1dx #Finance

[Andrea Luoni @RateCraft]

Want an insurance audit without vendor bias? We only get paid when we find savings. No broker incentives. Just verifiable overpayments, clear audit trails, and board-ready results. Ready to protect your fiduciary duty? https://t.co/Tkn8KKNs8y #CFOs

[Andrea Luoni @RateCraft]

We help you spot hidden insurance overpayments and fix baseline costs—no broker or policy changes. Want accurate reserves and freed capital for strategy? See how: https://t.co/2YtCwrdU02 #CFOs #InsuranceAudit

[Andrea Luoni @RateCraft]

Want to stop silent insurance overpayments? We dig into billing, policy wording, and admin practices in clear steps to find recurring leaks. Vendor-neutral. You pay only if we save you money. Significant for mid-size and large firms. Learn more: https://t.co/bxvpdEXQqH #CFOs

[Andrea Luoni @RateCraft]

The fiduciary clock is ticking. Employers can no longer assume benefits are someone else’s problem — new lawsuits & mandates say otherwise. Read Andrea Luoni’s full analysis: https://t.co/PdhycKErmO #FiduciaryRisk #EmployeeBenefits #Compliance

[Andrea Luoni @RateCraft]

Q: What audit red flags should you watch for? A: Duplicate billing, unrecognized endorsements, misapplied rating factors. These cause overpayments by inflating premiums or misallocating risk. Want a quick health check? Visit https://t.co/RlhKKjZ4KL #Audit #CFO

[Andrea Luoni @RateCraft]

We audited a mid‑market P&C spend, found 18% in overpayments, and recovered $1.2M in 9 months. What did the CFO do with it? Reinvested in tech (60%), paid down debt (25%), and boosted cash reserves (15%). Want results like that? https://t.co/3hFmYZH4py #FinOps

[Andrea Luoni @RateCraft]

We only get paid on proven savings—so you get unbiased recommendations. No broker swaps. No upsells. Just clear audit findings tied to realized cost reductions. Want conflict-free procurement insight? See how we protect your bottom line: https://t.co/pf7UHGxkcl #CFOs #Finance

[Andrea Luoni @RateCraft]

We just turned audit recoveries into next-quarter budget capacity. Want concrete numbers? Conservative, median, best-case. Reallocate headcount. Cut benefit spend. Reinvest in strategy. See how your P&L can flex: https://t.co/tkXgRMcSFE #finance #CFOs

[Andrea Luoni @RateCraft]

Want to stop leaking cash without changing providers? Inside the C.L.E.A.R. Audit: Data pairing finds mismatched charges. Policy crosswalks expose hidden denials. Rate-driver checks reveal overbilling. Read the full technical whitepaper: https://t.co/NCzGWpiyjx #Finance #CFO