Commercial Insurance Brokerage · East Longmeadow, MA
Vetted Risk is an independent insurance brokerage for mid-market companies. We read the actual policy forms, shop your coverage across 30+ carriers, and place and service the program. Expert brokerage, not a call center.
30+
Carriers represented
1 day
Quote turnaround
$100M
Largest client revenue served
100%
Independent brokerage
Carrier access includes
and 20+ additional specialty and standard markets
01The firm
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 an independent insurance brokerage: we read the actual policy forms, then shop, place, and service the coverage as your broker of record.
The analysis is the differentiator. We work the policy wording and the limits before we work the premium, then take the program to market across 30+ carriers and stay on the account through renewals and claims.
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.
02Coverage lines
We shop and place every line below across 30+ carriers.
No. 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.
No. 02
Experience-mod review, class-code audits, and placement for employers with predictable claim patterns. We work the mod math and the class assignments, where small errors compound year over year.
No. 03
Hired and non-owned exposure, MVR review, telematics-linked programs, and umbrella attachment that actually matches the auto limit. Fleet owners get the depth of analysis most agencies skip.
No. 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.
No. 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.
No. 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.
03Selected engagements
Sanitized summaries of representative engagements. Specific clients and carriers are confidential.
Manufacturing
2024
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. We placed and bound the rebuilt tower.
Placed and bound by Vetted Risk
Professional services
2024
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.
Placed and bound by Vetted Risk
Technology
2023
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.
Placed and bound by Vetted Risk
04Process
01
Send us your current declarations and a short conversation. Most clients have a written read of their program in one business day.
02
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. Then we set the marketing strategy: which carriers to approach and how to present the risk.
03
We take the program to market across 30+ carriers, negotiate the terms, and bind the coverage. Then we stay on the account through renewals and claims, reviewing every quote before you sign.
05When to bring us in
Not every program needs to go to market today. These are the moments when shopping it usually pays for itself.
30+ days before your renewal effective date is the right window. We shop 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, then advocate the claim with the carrier.
Headcount doubled. New entity. New product line. New geography. The program written 18 months ago doesn't reflect the company you are now.
06Why us
01
We're not owned by a carrier. We represent you across 30+ markets, so the coverage we recommend fits your exposure, not one carrier's appetite. Every recommendation is the one we'd make sitting on your side of the table.
02
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.
03
Most quotes 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.
04
We place across 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
Quote turnaround
Send us your declarations. We’ll shop the program and tell you what we find.
Get a quote07Questions
08Contact
Renewal coming up? New entity to cover? Claim that isn’t going well? Short message below, we’ll reply within one business day.