Commercial Risk Consulting · East Longmeadow, MA
Vetted Risk delivers independent commercial risk consulting for mid-market companies. We work alongside your existing broker, CFO, and general counsel to pressure-test coverage, identify coverage gaps, and coordinate placement through our licensed partner, Rush Insurance.
30+
Carriers represented
1 day
Assessment turnaround
$100M
Largest client revenue served
100%
Independent — no override commissions
Carrier access includes
and 20+ additional specialty and standard markets
About
Most commercial buyers meet their broker twice a year and spend the rest of the time hoping the program holds up. That’s a bad way to manage a line item that can swing seven figures in a bad quarter. Vetted Risk is a second set of eyes on the same problem: independent, and accountable only to you.
Our work is consultative. When a program needs to go to market or renew, we coordinate placement through our licensed partner, Rush Insurance, so the same team that reviews your coverage isn’t the team earning commission on it. That separation is the point.
Who we work with
Privately-held operators and venture-backed companies, from pre-revenue startups through $100M in revenue. Manufacturing, professional services, technology, logistics, healthcare, and regulated industries with complex exposure profiles. Headquartered in the Northeast; clients across the United States.
What we cover
Coverage placement is coordinated through our licensed partner, Rush Insurance.
01
The core program: buildings, equipment, inventory, business interruption, and general liability, with excess liability towers sized to the attachment point your contracts actually require. We review limits against replacement cost and your actual contract exposure, not the number the last broker rolled forward.
02
Experience-mod review, class-code audits, and program review for employers with predictable claim patterns. We pressure-test the mod math and the class assignments, where small errors compound year over year.
03
Hired and non-owned exposure, MVR review, telematics-linked programs, and umbrella attachment that actually matches the auto limit. Fleet owners get the same analysis from us they'd pay a consultant separately for.
04
Directors & Officers, Employment Practices, Crime, and Fiduciary. We focus on the terms that actually matter in a claim: Side-A limits, entity-vs-individual priority, and the wording around regulatory investigations. We flag the exclusions most brokers skim.
05
Errors & Omissions programs for professional services firms, technology companies, and licensed practitioners. We work the retroactive date, the definition of claim, and the consent-to-settle clause before we work the premium.
06
Cyber has been the most oversold line of the last five years. We read the sublimits, the war exclusion, the ransomware coinsurance, and the incident-response panel. Then we tell you honestly what the tower does and doesn't do.
Selected engagements
Sanitized summaries of representative engagements. Specific clients and carriers are confidential.
Manufacturing
A regional metals fabricator came to us two weeks after a phishing incident that didn't escalate but could have. Their $5M cyber tower had a ransomware coinsurance clause nobody had read, a war exclusion that would have caught a nation-state actor claim, and a 72-hour notice trigger that was already stale.
We restructured the program across two markets, removed the coinsurance, negotiated the notice terms, and doubled the limit for a 14% premium increase. Placement coordinated through Rush Insurance.
2024 · Coordinated via Rush Insurance
Professional services
The CFO forwarded us a quote package a week before binding. Their incumbent broker had rolled forward the expiring E&O program without addressing a material change in the firm's service lines over the prior two years.
We re-marketed the account, rewrote the application with the updated service description, and brought in two new carrier quotes. Final placement came in with broader wording and lower premium than the original renewal.
2024 · Coordinated via Rush Insurance
Technology
A venture-backed SaaS company needed Side-A D&O in place before their Series B closed, with a 72-hour runway. Their existing management liability was a starter policy written at seed stage and no longer matched the board composition or capital structure.
We scoped a new tower with three markets, negotiated Side-A priority-of-payments language, and added EPLI that reflected the updated headcount. Bound in time for the close.
2023 · Coordinated via Rush Insurance
Process
I
Send us your current declarations and a short conversation. Most clients have a written assessment of their program in one business day.
II
We walk through the gaps, the places you're paying for coverage you don't need, and the places a claim would leave you exposed. You decide what to do next; we're not selling anything at this stage.
III
When it's time to market or renew, our licensed partner Rush Insurance handles the placement. Vetted Risk stays on the account as the consultant, reviewing quotes and terms before you sign.
When to bring us in
Not every program needs an outside review. These are the moments when one usually pays for itself.
30+ days before your renewal effective date is the right window. We pressure-test the expiring program against the market and timeline a remarket if the incumbent isn't competitive.
When a customer or landlord adds insurance language you haven't seen before. We translate the requirement into specific endorsements and confirm whether your current program already covers it.
Investors and boards routinely flag D&O Side-A, EPLI, and cyber towers ahead of close. We scope the program against the cap table, headcount, and operating jurisdictions before the round signs.
A failed phishing attempt, a vendor breach, or a malware scare without a formal claim. The right time to read the cyber tower is before you actually need to file.
When a claim is open and the answers aren't coming back. We review the policy wording, the coverage position, and the procedural posture independently of your placing broker.
Headcount doubled. New entity. New product line. New geography. The program written 18 months ago doesn't reflect the company you are now.
Why us
We're not owned by a carrier and we don't take override commissions. The only incentive we have is to be right. Every recommendation you get from us is the one we'd make if we were sitting on your side of the table.
Our claims team is dedicated and independent. When something goes wrong at 4 p.m. on a Friday, you're not routed to a national call center. The person who reviewed your coverage is the person who handles the claim.
Most coverage assessments come back within one business day. Renewals are timelined backward from the effective date, not forward from when we remember. If a renewal date slips past us, we eat the cost of the rush.
Placement through Rush Insurance gives us access to 30+ carriers, including the specialty markets most regional agencies can't quote directly. That includes Lloyd's syndicates and excess-and-surplus markets for exposures the standard market won't touch.
30+
Carriers represented
1 day
Assessment turnaround
A thirty-minute conversation is worth more than a quote.
FAQ
Contact
Renewal coming up? New entity to cover? Claim that isn’t going well? Short message below, we’ll reply within one business day.