Insurance Program Optimization

Fortify Risk’s Insurance Program Optimization (IPO) provides an unbiased assessment of your organization’s insurance policies, coverage adequacy, and risk exposures. Conducted by third-party risk management experts, our comprehensive analysis identifies coverage gaps, eliminates redundancies, optimizes premium costs, and ensures alignment with your evolving business needs.

Our detailed review evaluates policy structure and coverage adequacy across traditional lines of coverage like general liability, property, cyber liability, auto, and workers compensation insurance. We can also evaluate coverage for more challenging lines like professional liability, builder’s risk, directors & officers insurance, employment practices, environmental, international risk, ocean cargo, etc. Many of these coverages are on manuscript (non-standardized) forms. We analyze premium competitiveness, deductible optimization, claims history, and contractual compliance.

By conducting an IPO with Fortify Risk, your organization can achieve significant premium savings, improved claims outcomes, better coverage alignment, and enhanced policy terms. Our impartial, fee-based approach is independent of outside influences and can also be perfect for investor confidence and governmental compliance.