Independence is non-negotiable.
We do not accept override commissions or contingent compensation from carriers. The recommendation you get from us is the one we’d make if we were sitting on your side of the table — because we are.
About Vetted Risk · Independent by design
An independent risk layer for companies that can’t afford surprises.
Vetted Risk was founded to give mid-market operators something they almost never get from their broker: a second set of eyes that has no commission riding on the answer. We are commercial risk consultants. We pressure-test the program you have, document where it leaves you exposed, and only then — if and when you want to go to market — coordinate placement through our licensed partner, Rush Insurance. The advice is independent. The placement is licensed. That separation is the point.
Our model
How we’re different.
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. We sit on your side of the table. We don’t take override commissions. We don’t earn more if you buy more. The only incentive we have is to be right. When a renewal needs to go to market, our licensed partner Rush Insurance handles the placement, and Vetted Risk stays on the account as the consultant — reviewing quotes and terms before you sign.
Clients
Who we work with.
Privately-held operators and venture-backed companies, from pre-revenue startups through $100M in revenue. Manufacturers, professional services firms, technology companies, logistics and 3PLs, healthcare and life sciences, and regulated industries with complex exposure profiles. Headquartered in the Northeast; clients across the United States.
Principles
What we believe.
Claims, not sales, prove the program.
Every coverage decision should be tested against the question: "How does this perform at claim?" That is the only test that matters when something actually goes wrong.
Speed matters when paper moves.
Renewals are timelined backward from the effective date, not forward from when we remember. Most assessments turn around in one business day. If a renewal date slips past us, we eat the cost of the rush.
Plain English over insurance jargon.
Every program we review gets written up in language a CFO and a claims adjuster will both recognize. If we can’t explain it simply, the coverage isn’t doing its job.
A thirty-minute conversation is worth more than a quote.
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