Insurance Program Optimization

Fortify Risk’s Insurance Program Optimization provides an unbiased, third-party assessment of your organization’s insurance portfolio to improve coverage adequacy, cost efficiency, and alignment with your evolving risk profile. Conducted by experienced risk management professionals, this comprehensive review identifies coverage gaps, minimizes redundancies, optimizes premiums and deductibles, and strengthens policy terms.

Our analysis evaluates policy structure, coverage scope, and risk exposure across core lines such as general liability, property, auto, workers’ compensation, cyber liability, and business interruption. We also assess more complex and manuscript coverages, including professional liability, directors & officers, employment practices, builder’s risk, environmental, international risk, ocean cargo, and other specialized programs. Each review includes an evaluation of premium competitiveness, deductible optimization, claims history, and contractual and regulatory compliance.

Through a rigorous, fee-based, and impartial approach, Fortify Risk helps organizations achieve measurable premium savings, improved claims outcomes, and better alignment between insurance coverage and actual operational risk. Regular independent reviews support stronger financial resilience, enhance investor and stakeholder confidence, and improves your insurance program's ability to meet the regulatory, contractual, and business requirements your have, as your organization grows and changes.