Insurance Diligence
A review of your coverage, exposures, and claims.
Virtus evaluates your insurance program against how your business operates. You receive an Insurance Diligence Report with findings, priorities, and recommendations.
Insurance Diligence Report
- Finding
- Property schedule needs updating.
- Why it matters
- A recently added location does not appear on the schedule provided for review.
Your Insurance Diligence Report
Clear findings. Prioritized recommendations.
Your Insurance Diligence Report connects the review to the decisions ahead. We explain the information behind the findings, including assumptions and missing details that could affect the assessment.
See how we use AI and technology- What appears aligned with your business
- What needs clarification or attention
- Why each finding matters
- What we recommend doing next
Start with your business and objectives
We begin with a conversation about your operations, priorities, and planned changes. That context helps define the review and the information needed, whether you're evaluating your current program, preparing for growth, or considering an acquisition.
What we review
Review the program against your exposures
We examine the information available and identify questions that require clarification. Our review connects policy terms with how your business operates, rather than looking at each policy in isolation.
- Coverage terms, limits, deductibles, and exclusions
- Property schedules, reported values, and changes in operations
- Contractual insurance requirements and differences to address
- Claims history, recurring loss patterns, and open questions
- Program structure, insurance costs, and retained risk
From review to follow-through
A review that leads to action.
We discuss the findings with your team and agree on priorities, responsibilities, and next steps. When you appoint Virtus, those priorities carry into onboarding and your ongoing service plan. The people supporting your account have a clear starting point for follow-through as your business and insurance needs evolve.
Discuss findings
Review the evidence, questions, and tradeoffs together.
Agree priorities
Identify responsibilities and the next steps that deserve attention.
Carry into the service plan
When you appoint Virtus, priorities carry into onboarding and ongoing service.
What we recommend
Priorities for immediate action and renewal
We distinguish issues that need prompt attention from decisions to plan for renewal or revisit as your business changes. We explain the tradeoffs, where current coverage fits, and what remains under review.
Private Capital
Diligence for a transaction
An acquisition brings its own timing and insurance questions. Our Private Capital team helps evaluate the target's program and identify matters to address before closing and through ownership.
and portfolio support
Related capabilities
Related coverage and services
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Risk Analytics →
Policy, exposure, and claims information brought together to support decisions.
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Contract Review →
Insurance requirements reviewed alongside your coverage to identify differences.
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Claims Advocacy →
Guidance through claims, coverage review, and engagement with the carrier.
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Risk Control →
Risk assessments, safety programs, and support tailored to your operations.
Planning an insurance review or evaluating an acquisition?
Discuss the scope, timing, and information needed for an Insurance Diligence Report with our team.
Discuss your insurance program