Risk triggers
When to bring us in.
The best time to bring in a broker is before something forces it. These are the moments mid-market operators tell us, after the fact, that they wish they'd called us sooner. Each one has its own playbook.
01Why 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 we're in, the more leverage there is, and the lower the cost of correction.
02How we work
Four triggers, each with its own clock.
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Insurance renewal review
We shop the expiring program against the market 30 to 90 days before the effective date, and catch what got rolled forward without a real look.
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 hard 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 →
03Placement
We shop, place, and service the coverage.
Vetted Risk is a licensed Massachusetts insurance broker. We read the program, shop it across 30+ carriers, place the coverage, and service it through the policy period. The advice on whether to remarket, stay, or restructure sits with the same team that binds the coverage.
04Next step
Tell us where the clock is.
One business day response. Independent brokerage. 30+ carriers.