Vital Insurance Partners

At Vital Insurance Partners, LLC, we are a growth engine behind our clients, committed to helping them achieve their business objectives. Founded in 2008 by Brian Molusis, we are an intermediary and insurance consulting firm dedicated to providing customized insurance solutions to our clients.

Our Expertise

With a combined 15-year experience in the insurance industry, our team has developed a unique expertise in niche books of property and casualty business. We work closely with Program Administrators, Managing General Agents, InsurTech Companies, Wholesale Brokers, and Specialty Retail Producers to develop, implement, and monitor customized insurance programs. Our comprehensive approach ensures that our clients' programs are designed to thrive in the ever-changing market.

Program Placement

At Vital Insurance Partners, we understand the importance of aligning the best Program Managers with the best Insurance Carriers. Our objective is to reduce the common practice of "wheel spinning" in program placement by providing a tailored and organized approach. Our services may include:

• Program Proposal: Developing a comprehensive overview of the program proposal for presentation to the market
• Supporting Materials: Refining and developing supporting materials, including underwriting guidelines, applications, forms, and rating/pricing manuals
• Due Diligence: Managing and coordinating the due diligence process
• Program Build and Launch: Coordinating efforts of all parties during the build and launch of the program
• Program Touchpoints and Audits: Aiding, facilitating, and attending regular touchpoints during launch and ongoing underwriting audits
• Data Compilation: Compiling and organizing all supporting data
• Carrier Selection: Recommending and approaching the best carrier options to maximize client requirements on both appetite and resources
• Agreements and Contracts: Assisting with and recommending alternatives during contract negotiations
• Relationship Management: Facilitating and managing the developing client/carrier relationship
• Maintenance & Management: Attending to necessary program revisions due to changing market conditions and coordinating the renewal process

Types of Programs

We currently have over $250 million of annual premium under contract in programs, spanning every line of business within the property and casualty marketplace, including Commercial Auto, General Liability, Property, Professional, and Worker's Compensation.

Consulting Services

Our consulting services are designed to support our clients' growth and success. We offer a range of services, including:

• Market Analysis: Identifying the most attractive customer segment within a given industry
• Regulatory Analysis: Reviewing industry-specific issues related to current regulatory climate
• Applications Research: Developing custom applications for the exposure
• Underwriting Audits: Analyzing book strength, identifying gaps, and exploring opportunities for growth
• Data Compilation: Compiling, organizing, and analyzing data and other similar books of business
• Carrier Analysis: Comparing policy forms from a variety of carriers
• Distribution Channels: Exploring how similar products are currently being delivered
• Underwriting Guidelines: Creating guidelines for use with your specific product line
• Underwriting Training: Providing materials to educate underwriters
• Due Diligence: Comprehensive review of existing books of business for potential acquisition or sale

About Our Team

Our team consists of seasoned professionals with a collective 15-year experience in the insurance industry. Our President, Brian Molusis, is a Chartered Property & Casualty Underwriter (CPCU) and Associate in Risk Management (ARM), and is currently the Chairman of the Wholesale & Specialty Insurance Association (WSIA). Our Program Consultant, Robert Glettler, has a BA in Economics from the University of Michigan and an MBA from New York University, and holds the Chartered Property and Casualty Underwriter designation as well as Associate designations in Risk Management and Underwriting.

Contact Us

We are here to serve you. Learn more about our consulting services and expertise by exploring our website or contacting us directly at (440) 773-3605 or info@vital-ins.com.