Services
What we cover.
Vetted Risk provides commercial risk consulting for mid-market companies across six coverage lines. Our work is coverage analysis, program design, and renewal strategy. Placement is coordinated through our licensed partner, Rush Insurance.
Each line below has its own playbook. The deliverables vary, but the discipline is the same: pressure-test what you have, identify what’s missing, and document the program in language a CFO and a claims adjuster will both recognize.
Coverage lines
Six lines. One independent review.
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Property & Casualty
Limits, exclusions, business interruption wording, and excess towers reviewed against the actual operating profile.
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Workers' Compensation
Class-code accuracy, experience-mod factor review, and program design for employers with predictable claim patterns.
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Commercial Auto & Fleet
Symbol coverage, hired and non-owned exposure, MVR programs, telematics, and umbrella attachment matched to fleet size.
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Management Liability
D&O ABC structure, Side-A limits, EPLI, crime, and fiduciary coverage for operators and venture-backed companies.
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Professional Liability
Retroactive dates, claim definitions, consent-to-settle, and tech vs miscellaneous E&O for service firms.
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Cyber Liability
Sublimits, war exclusion language, ransomware coinsurance, and incident-response panel pressure-tested before renewal.
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How we work
Independent review, then licensed placement.
Vetted Risk is not licensed to sell, solicit, or negotiate insurance. We review programs, draft specifications, and represent the buyer’s position during marketing. When you decide to bind, the file moves to Rush Insurance, our licensed placement partner. Compensation related to placement flows to Rush. Vetted Risk receives no commission, no override, and no contingent compensation.
That structure exists for a reason. It removes the volume incentive from the consulting work. The recommendation to remarket, restructure, or stay put is not tied to who writes the binder.
Next step
Talk to us before the renewal cycle starts.
We respond within one business day and work with 30+ carriers through Rush Insurance.