Risk triggers
When to bring us in.
A program review is most useful before something forces it. These are the moments mid-market operators tell us, after the fact, that they wish they'd called a second set of eyes. Each one has its own playbook.
Why timing matters
The cheap window is before the deadline, not after.
Most program problems are easy to fix at quote and very hard to fix at claim. A renewal that auto-rolls in 14 days is a different conversation than a renewal sitting 60 days out with options. A reservation of rights letter answered in week one looks nothing like one answered after the carrier has already set the file's coverage position.
We work the calendar backwards from the trigger. The earlier the engagement, the more leverage there is, and the lower the cost of correction.
Engagements
Four engagements, each with its own clock.
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Insurance renewal review
Pressure-test the expiring program against the market 30 to 90 days before the effective date. Catch what got rolled forward without a second read.
Read the playbook → -
Contract insurance requirements
Translate customer, landlord, and lender insurance language into specific endorsements, certificates, and policy mechanics that actually back the contract.
Read the playbook → -
Cyber after a near-miss
After a phishing attempt, vendor breach, or BEC scare, the cyber tower needs a second read before you actually need it.
Read the playbook → -
Claims advocacy
Reservation of rights, denial letters, allocation disputes, and late-notice defenses reviewed against the policy and the procedural posture of the claim.
Read the playbook →
Placement
Independent review, then placement through Rush Insurance.
The consulting work sits with Vetted Risk. When you decide to remarket or bind, the file moves to our licensed placement partner, Rush Insurance. Vetted Risk is not licensed to sell, solicit, or negotiate insurance. Compensation related to placement flows to Rush. Vetted Risk receives no commission, no override, and no contingent compensation.
Next step
Tell us where the clock is.
One business day response. Independent review. 30+ carriers through Rush Insurance.