one program for every company you own.
Insurance for the whole portfolio. One standard, one renewal calendar, one view.
get a portfolio reviewMARKETS WE PLACE THROUGH
your whole portfolio, one team on it.
Policies, claims, certificates, exposures and renewals, tracked by one team and laid out in plain English.
app.riza.com / policies
policies
different brokers, different renewals, one headache.
Every company buying alone costs you money and leaves gaps nobody sees.
Renewals all year
One calendar, shopped months early.
Coverage that varies
One standard every company meets.
No buying power
Renewed as a portfolio, not one company at a time.
No view from the fund
Every policy and gap, in one place.
with you from close to exit.
One program for the whole hold.
If you close a deal
We’ll rebuild its program on day one.
If a renewal comes up
We’ll shop it months early.
If the lender needs proof
We’ll send the certificate.
If you add a company
We’ll fold it into one program.
If something goes wrong
We’ll handle the claim, start to finish.
If you sell
We’ll give buyers a clean story.
start with a portfolio review.
We look at every company’s insurance and show you what to fix, in dollars.
✓
Every policy, limit and renewal date
✓
Gaps against your lender and fund standards
✓
Where buying together lowers the price
get a portfolio review
or talk to us about your portfolio →for the fund, not just the deal.
One advisor across every deal, every company and the fund itself.
every deal
Diligence and R&W on every platform and add-on.
every company
One program across your portfolio. One team, one renewal calendar.
the fund
Management liability for the GP and the fund itself.
one program, no disruption.
Start with the companies you choose. The rest join at renewal.
1. Send what you have
Current policies and renewal dates for each company.
2. We review every company
A short report for each, plus one view of the portfolio.
3. Move at each renewal
Companies join as policies come up. No early cancellations.
good to know.
Straight answers to what funds ask about portfolio insurance.
What is a portfolio insurance program?
A portfolio program groups insurance for several portfolio companies under shared policies or a shared renewal schedule. It can give the fund more buying power and more consistent coverage, though each company still needs coverage that fits its own risks. It tends to work best with several companies in related industries.
What insurance should a PE firm require of its portfolio companies?
Most firms set a baseline for every company: limits for liability, umbrella and cyber, D&O covering the board seats the fund holds, and employment practices coverage. The exact levels depend on size and industry. A written standard makes renewals, lender reviews and exit diligence much easier.
How can PE firms lower insurance costs across portfolio companies?
Common levers are consistent coverage across companies, shared renewals that add buying power, safety programs that improve workers’ comp experience mods, and fixing loss drivers before renewal. Taking each account to the right carriers at the right time matters too. Results depend on each company’s risks and claims history.
Can portfolio companies keep their current broker?
Yes, especially at first. Many funds start by reviewing every company and setting one standard, then move companies into the program as each renewal comes up. A broker of record letter can move servicing without cancelling policies. Moving at renewal usually avoids short-rate cancellation fees.
Does pooling insurance share one company’s losses with the others?
It can, if companies share a policy limit, since a large claim at one company uses up limit the others rely on. Programs usually handle this with separate limits per company, or shared limits only where the risk is low. The goal is buying power without leaving one company exposed to another’s claims.
Do all portfolio companies have to join at once?
No. Most programs are built one renewal at a time, starting with the companies whose policies come up first or where the gaps are biggest. New platforms and add-ons can join at closing. Over a year or so, the whole portfolio ends up on one calendar and one standard.
What happens to a company’s insurance when it’s sold?
It depends on how the program is set up. Policies written for that company usually go with it, while shared policies need the company removed and replaced with its own cover. Claims-made policies like D&O often need a tail. Planning this before the sale keeps it off the buyer’s list of issues.
Insurance words, in plain English: insurance due diligence · change in control · d&o side a, b and c · experience modification rate
Put it into practice: Insurance for an add-on acquisition · Workers’ comp experience mods after an acquisition · Add-on insurance integration · Workers’ comp mod after an acquisition · Insurance for acquisitive companies · Buy-and-build insurance
one program. every company.
A review of every company, with what to fix first.
get a portfolio review
or call 802-GOT-RIZAyour whole portfolio, one team on it.
Policies, claims, certificates, exposures and renewals, tracked by one team and laid out in plain English.
policies
different brokers, different renewals, one headache.
Every company buying alone costs you money and leaves gaps nobody sees.
Renewals all year
One calendar, shopped months early.
Coverage that varies
One standard every company meets.
No buying power
Renewed as a portfolio, not one company at a time.
No view from the fund
Every policy and gap, in one place.
with you from close to exit.
One program for the whole hold.
If you close a deal
We’ll rebuild its program on day one.
If a renewal comes up
We’ll shop it months early.
If the lender needs proof
We’ll send the certificate.
If you add a company
We’ll fold it into one program.
If something goes wrong
We’ll handle the claim, start to finish.
If you sell
We’ll give buyers a clean story.
start with a portfolio review.
We look at every company’s insurance and show you what to fix, in dollars.
✓
Every policy, limit and renewal date
✓
Gaps against your lender and fund standards
✓
Where buying together lowers the price
get a portfolio review
or talk to us about your portfolio →for the fund, not just the deal.
One advisor across every deal, every company and the fund itself.
every deal
Diligence and R&W on every platform and add-on.
every company
One program across your portfolio. One team, one renewal calendar.
the fund
Management liability for the GP and the fund itself.
one program, no disruption.
Start with the companies you choose. The rest join at renewal.
1. Send what you have
Current policies and renewal dates for each company.
2. We review every company
A short report for each, plus one view of the portfolio.
3. Move at each renewal
Companies join as policies come up. No early cancellations.
good to know.
Straight answers to what funds ask about portfolio insurance.
What is a portfolio insurance program?
A portfolio program groups insurance for several portfolio companies under shared policies or a shared renewal schedule. It can give the fund more buying power and more consistent coverage, though each company still needs coverage that fits its own risks. It tends to work best with several companies in related industries.
What insurance should a PE firm require of its portfolio companies?
Most firms set a baseline for every company: limits for liability, umbrella and cyber, D&O covering the board seats the fund holds, and employment practices coverage. The exact levels depend on size and industry. A written standard makes renewals, lender reviews and exit diligence much easier.
How can PE firms lower insurance costs across portfolio companies?
Common levers are consistent coverage across companies, shared renewals that add buying power, safety programs that improve workers’ comp experience mods, and fixing loss drivers before renewal. Taking each account to the right carriers at the right time matters too. Results depend on each company’s risks and claims history.
Can portfolio companies keep their current broker?
Yes, especially at first. Many funds start by reviewing every company and setting one standard, then move companies into the program as each renewal comes up. A broker of record letter can move servicing without cancelling policies. Moving at renewal usually avoids short-rate cancellation fees.
Does pooling insurance share one company’s losses with the others?
It can, if companies share a policy limit, since a large claim at one company uses up limit the others rely on. Programs usually handle this with separate limits per company, or shared limits only where the risk is low. The goal is buying power without leaving one company exposed to another’s claims.
Do all portfolio companies have to join at once?
No. Most programs are built one renewal at a time, starting with the companies whose policies come up first or where the gaps are biggest. New platforms and add-ons can join at closing. Over a year or so, the whole portfolio ends up on one calendar and one standard.
What happens to a company’s insurance when it’s sold?
It depends on how the program is set up. Policies written for that company usually go with it, while shared policies need the company removed and replaced with its own cover. Claims-made policies like D&O often need a tail. Planning this before the sale keeps it off the buyer’s list of issues.
Insurance words, in plain English: insurance due diligence · change in control · d&o side a, b and c · experience modification rate
Put it into practice: Insurance for an add-on acquisition · Workers’ comp experience mods after an acquisition · Add-on insurance integration · Workers’ comp mod after an acquisition · Insurance for acquisitive companies · Buy-and-build insurance
one program. every company.
A review of every company, with what to fix first.
get a portfolio review
or call 802-GOT-RIZA