Program Placement

Our objective is to align the best Program Managers with the best Insurance Carriers. This benefits our clients by reducing the “Wheel spinning” on program placement so prevalent when there is not an organized, customized approach. Included in our program placement services are:

  • Development of a comprehensive overview/program proposal for presentation to the market
  • Pre-audit of program before it is presented to carriers
  • Facilitation for the gathering and compiling of supporting data
  • Assistance with development and refinement of underwriting guidelines, applications, program forms, rating/pricing manuals and other materials
  • Recommendations for ideal carriers that meet client requirements with the appetite and resources for the opportunity being presented
  • Management and coordination for the due diligence process including carrier information requests
  • Training underwriters on program specifics
  • Assistance in negotiation of contract terms
  • Building and launching of the program
  • Management of the developing carrier relationship
  • Aid in due diligence and underwriting audit preparation which includes attending the audit and facilitating necessary changes.
  • Ongoing program maintenance for renewals and changes



Types of Programs

Vital currently has over $250 million of annual premium under contract in programs. Types of programs include:

  • Title Agents E&O
  • Habitation
  • Livestock Auction and Feedlot
  • Harvesters
  • Collateral Recovery
  • Couriers
  • Orthotics and Prosthetics Dealers
  • Auto Service Providers
  • Metal Recyclers
  • Auto Dealers
  • Contractors GL
  • Restaurants
  • Towing
  • Labor Organizations
  • Parking Facilities
  • Equine
  • Waste Haulers
  • School Buses
  • Community Associations
  • Monoline Workers’ Comp
  • Manufactured Home Dealers
  • Pawnbrokers