Virtus brings policy and exposure information, insurance costs, and claims history together to compare program structures, evaluate retained risk, and identify recurring loss patterns.
Discuss your insurance programRISK ANALYTICS
Review frequency, severity, and recurring loss drivers.
DECISIONS TO EVALUATE
Illustration only. Actual analysis depends on available information and stated assumptions.
What we examine
We organize information from policies, applications, property schedules, and other source documents into a consistent view. Comparing that information across periods helps identify additions, disposals, changes in reported values, and questions that deserve a closer look.
See how we use AI and technologyWe examine limits, deductibles, and coverage layers alongside their costs. For layered programs, that includes attachment points and pricing by layer. The goal is to understand how the pieces fit and what a change in structure would mean for your coverage and retained risk.
We bring loss information from different carriers into a consistent format and review claim counts, paid amounts, reserves, and reported totals. That view helps identify recurring loss patterns and questions that can inform risk control, renewal preparation, and retention decisions.
We use your exposure and loss information to evaluate deductible and retention options. We explain the assumptions behind the analysis and how different loss scenarios could affect the amount your business retains, alongside the potential change in insurance cost.
Where benchmarking is useful, we explain the comparison group, the source and age of the data, and its relevance to your business. Estimates and benchmarks inform the discussion; they are considered alongside your own exposures, claims, and operating priorities. If an actuarial opinion is needed, we help identify the appropriate specialist support.
Putting the information to work
Fictional one-year property losses at a common valuation date. Average incurred loss = paid amounts plus outstanding reserves, divided by claim count. Each column uses its own scale.
Water damage occurs most often. Fire has the highest average loss. Both deserve attention for different reasons.
Simplified liability tower, shown from the ground up. Labels show attachment points and limits; bands are not to scale. Retentions, exclusions, and policy terms require separate review. This is not a recommended limit.
The decision ahead
Our findings may support reviewing limits, restructuring coverage layers, reconsidering retained risk, or addressing a recurring loss driver. Where the current approach fits, we explain the evidence supporting it.
Illustrative example · Based on the sample above
Water damage accounts for 18 of 26 claims in the sample year.
Repeated incidents may point to a recurring loss driver worth investigating.
Review causes and locations with risk control before selecting prevention priorities or reconsidering deductibles.
Related capabilities
Additional liability limits, structured to work with your underlying coverage.
Directors and officers, employment practices, fiduciary liability, and crime coverage.
Coverage for buildings, contents, and business interruption, aligned with your exposures.
Workplace injury coverage, with attention to classifications, claims, and program costs.
Talk with our team about the exposure, policy, and claims information available to support your program review.
Discuss your insurance program
