Business insurance · Massachusetts
Your business moves.
Your coverage should keep up.
Tell us what you do. A licensed broker reviews your needs, shops suitable carriers, and helps you choose your next policy.
- Independent brokerage
- 30+ carriers
Prefer a call?
Talk to a broker.
Leave your number. A licensed broker calls back within one business day. No long form.
Carrier access includes
- Chubb
- Travelers
- Hartford
- Zurich
- Hiscox
- AIG
- CNA
- Liberty Mutual
- Nationwide
- Beazley
- Coalition
- Markel
and 20+ additional specialty and standard markets
Business coverage
Start with what you need to protect.
Property & Casualty
Protect your buildings, equipment, and operations. We review property limits and business liability together.
Explore coverage →Workers' Compensation
Coverage for your team, with a closer look at classifications, payroll, and your claims experience.
Explore coverage →Commercial Auto & Fleet
Insurance for business vehicles and the people driving them, including hired and non-owned exposure.
Explore coverage →Management Liability
Review protection for directors and officers, employment practices, crime, and fiduciary responsibilities.
Explore coverage →Professional Liability
Errors and omissions coverage aligned with the services you provide and the contracts you sign.
Explore coverage →Cyber Liability
Understand how your policy responds to cyber incidents, with a review of coverage limits and exclusions.
Explore coverage →How it works
A simpler way to compare coverage.
- Step 1
Tell us about your business
Leave a way to reach you. We’ll talk through your operation and what needs coverage.
- Step 2
We review and shop
A licensed broker checks your existing program and approaches suitable carriers.
- Step 3
Choose with a broker
Review price and coverage together. Your team stays with you through placement and service.
07Questions
Common questions.
What makes Vetted Risk different from other brokers?
We read the actual policy forms before we quote. Most brokers roll last year’s program forward; we work the wording and the limits, then shop the coverage across 30+ carriers. Senior people handle your account from the first read through claims.
Is Vetted Risk an insurance broker?
Yes. Vetted Risk LLC is a licensed Massachusetts insurance broker. We shop your coverage across 30+ carriers, then place and service the program directly.
How many carriers do you represent?
More than 30, including the specialty markets and excess-and-surplus lines most regional agencies can’t quote directly. That range lets us match the coverage to your exposure instead of forcing your risk into one carrier’s appetite.
Do you handle claims?
Yes. Our claims team is dedicated and independent. The person who placed your coverage stays on the account and advocates the claim with the carrier when something goes wrong.
How quickly can you turn around a quote?
Most quotes come back within one business day of receiving your current declarations and a short conversation. Renewal timelines are scheduled backward from the effective date so there is room to remarket if the incumbent is not competitive.
Can you help us before our renewal date?
Yes, and earlier is better. The useful work happens 60 to 90 days out, when there is still time to clean up the application, address adverse exposure, and bring in alternative markets. If your effective date is closer than that, send us the declarations now and we will work backward from the calendar.
Do you work with venture-backed startups?
Yes. We regularly stand up D&O towers for Series A through Series C closes, EPLI for headcount-driven companies, and tech E&O / cyber programs that match the actual contractual exposure. Most of these engagements run on tight runways; we work to that.
What size companies do you work with?
Privately-held operators and venture-backed companies, from pre-revenue startups through $100M in revenue. Manufacturing, professional services, technology, logistics, healthcare, and other regulated industries with complex exposure profiles.
What states do you operate in?
We are headquartered in East Longmeadow, MA, and licensed in Massachusetts. We serve clients across the United States and confirm the licensing required for your state and lines of coverage before we bind.
Vetted Risk · Massachusetts