About Us

Net Cost Advisors’ purpose is to help clients negotiate the best insurance program available anywhere, especially in this era of rising prices. We are not brokers or agents - we represent the client's interests exclusively. For you, we will:

  • Reduce cost
  • Eliminate aggravation
  • Save time

Craig Cornell, the founder of Net Cost Advisors, has 20 years experience in commercial insurance. Almost all of that time has been spent not in sales, but negotiating successfully on behalf of hundreds of insurance buyers. He is considered by many to be one of the best insurance negotiators in Southern California. His experience with the process will help you:

  • Objectively identify all viable options for risk transfer
  • Determine how to best represent your company to underwriters
  • Evaluate service providers (brokers, loss control, claims, etc.)
  • Negotiate the best terms and cost, representing only your best interest

Net Cost Advisors recognizes that a broker's greatest value may be in the relationships the broker maintains with underwriters. Unfortunately,

  1. brokers can have good relationships with only a handful of underwriters (even if they can access many more)
  2. brokerage firms cannot be completely candid with clients about insurance company access and relationships (good, bad or nonexistent).
 Net Cost Advisors, with broad industry contacts and experience, will make sure the best broker relationships are used to leverage a great deal for you. This is only one example of how Net Cost Advisors can improve your insurance program.

We will also put you in control of the information that represents your company to underwriters, a critical piece in reducing cost.  Rather than rely on brokers to represent your company, which representation can vary from year-to-year, and broker-to-broker, we will work with you to make sure all insurance companies approached each year see your company in absolutely the best light.

Once you control the information going to underwriters, the dynamics of marketing your account change dramatically, and you control the results.

Craig Cornell has been negotiating great insurance programs since 1979. He is a Chartered Property & Casualty Underwriter (CPCU) and graduated Summa Cum Laude from California Polytechnic University Pomona. Craig has served on advisory boards to several insurance companies, as well as the Board of Directors of a captive insurance company.

Craig is married (Jo Anne) and has one son, Tyler. He is a member of the Board of Directors and Executive Committee for the Better Business Bureau of San Diego. He is also on the Board of Directors of the Rancho Bernardo Pop Warner Football Association, and he coaches youth basketball.


Professional Background

Barney & Barney, LLC – May, 1990 To January 2002

  • Built Marketing Department (to negotiate with insurance companies on larger accounts);
  • Worked on new and renewal accounts, usually against competition;
  • Ran 12-1 success ratio in competition with national brokers;
  • Premium size of accounts: $200,000 To $2,000,000;
  • Became Partner in 1996.

Marsh & McLennan (Los Angeles) – September, 1988 To May, 1990

  • Directed negotiations on all commercial new business.

Wellington – Ross Insurance (Los Angeles) – January, 1980 To September, 1998

  • Primarily worked in the marketing department.


California State Polytechnic University, Pomona – Bachelor of Arts, English Literature.  Graduated Summa Cum Laude, 1976.

University of San Francisco, School of Law – Successfully completed first-year study, 1977.

Chartered Property Casualty Underwriter (CPCU) – Designation obtained 1993.

Other Experience/Activities:

  • Associate Member of RIMS (Risk & Insurance Management Society).
  • Served on numerous insurance company advisory boards.
  • Served on Board of Directors of Atlantic Mutual’s Captive Insurance Company