Business Insurance
We examine your operations, coverage, contracts, and claims to understand where your program stands. Then we recommend how to structure your insurance, address gaps, and manage the cost of risk.
Discuss your insurance program
How we work with you
Your operations, contracts, claims, and growth plans shape the review. We bring industry understanding to your coverage and compare contractual insurance requirements with policy terms.
Identify the differences that need attention.
We explain the coverage, limits, and retained risk we recommend, along with the tradeoffs. Funding options can include guaranteed cost, large deductibles, self-insurance, and captives where appropriate.
A recommendation with a clear rationale.
Claims advocacy and risk control help inform loss response and prevention, with involvement tailored to your needs.
A clear plan throughout the year.
Your experience with Virtus
From the first review through each renewal, the Virtus Arc gives your team a clear path through the insurance decisions ahead, with agreed priorities, defined responsibilities, and regular opportunities to review progress.
We start with your operations, plans, coverage, and claims. Your Insurance Diligence Report explains what we found, why it matters to your business, and what we recommend. Together, we identify the priorities that should shape your program.
Your Insight Meeting brings your service team together around your business and goals. We confirm who handles what, establish the service plan, and coordinate claims and risk control support around your needs. A follow-up closes out outstanding onboarding items.
Scheduled reviews create time to discuss business changes, claims trends, and progress on agreed actions. Your team helps address questions as they arise and revisits the plan as your needs change.
We review your exposures and agree on a market strategy before approaching carriers. We compare the options, explain our recommendation, and help you weigh coverage, retained risk, and cost. After placement, we confirm the program and carry open items into the year ahead.
Our work in practice
An anonymized client example from our insurance diligence work.
A hotel owner/operator was developing a new hotel and believed its development company had General Liability coverage for its role as general contractor. During diligence, Virtus identified a Real Estate Development Activities Exclusion that excluded the ground-up construction operations.
Our AI-assisted Review Policies tool supported the policy deep dive and helped identify the gap. The Virtus team reviewed the findings against the client’s operations and explained the mismatch between the work being performed and the policy’s coverage.
Virtus separated the hospitality and construction exposures, placing the hotel operations with hospitality-focused carriers and the general contractor operations with a specialized construction liability program designed for ground-up development. The development company obtained dedicated liability coverage for its construction operations.
Your program, line by line
Explore the coverages that may play a role in your program, from property and liability to executive and cyber risk.
Coverage for buildings, contents, and business interruption, aligned with your exposures.
Coverage for third-party bodily injury, property damage, and related liability exposures.
Coverage for business driving, with driver standards and fleet safety support.
Additional liability limits, structured to work with your underlying coverage.
Coverage options for pollution liability, cleanup costs, and related exposures.
Workplace injury coverage, with attention to classifications, claims, and program costs.
Cyber coverage and technology errors and omissions, shaped around your business.
Directors and officers, employment practices, fiduciary liability, and crime coverage.
Errors and omissions coverage for the professional advice and services you provide.
Contract and commercial bonds, submission support, and surety relationships.
See the work
Technology helps us organize information and identify differences. Our specialists check the findings and explain what they mean for your insurance program.
From information to decisions
Our tools compare quoted terms with issued policies to flag differences. Our team checks the supporting documents and determines what needs attention.
We bring primary and excess coverage into one view to help evaluate how the layers fit together. Our team reviews terms and differences that could affect the program.
Where we work
Explore the experience and services relevant to your business.
Whether you're evaluating your current coverage or planning for a change in the business, we can help you identify the questions worth asking and the next steps to consider.
Discuss your insurance program →
