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Specialty underwriters · Wholesale only · All 50 states

Environmental and casualty insurance for contractors, consultants and engineers.

We are program managers and company underwriters supporting wholesale agents across the country. Our aim is to add value to everything we touch, from application to claims.

2014Founded in Pearl River, NY
50 statesSurplus lines, through wholesalers
65+ yearsCombined underwriting experience

Programs

Three programs, one underwriting desk

Each program lets an insured move most of its business risk onto a single policy, with environmental exposure written by people who understand it.

Virtue Pack

Environmental contractors, consultants and engineers

One policy that carries general liability, contractors pollution, professional liability and site pollution for an environmental service business.

General LiabilityContractors PollutionProfessional LiabilitySite PollutionExcess
Coverage details VIRTUEPACK 0617-101
Virtue Guard

Storage tank owners, operators and commercial property owners

Storage tank and site pollution coverage that satisfies federal and state UST financial responsibility requirements.

Underground TanksAboveground TanksSite PollutionExcess
Coverage details VIRTUEGUARD 0617-100
Virtue Pledge + Excess

Middle-market specialty contractors and consultants

A casualty package for multi-discipline contractors and consultants with contingent environmental exposure.

General LiabilityContingent EnvironmentalProfessional LiabilityExcess
Coverage details Casualty package

Appetite

Who we write

Annually renewable, relatively low-limit policies for small and middle-market service businesses. Every class below has an application ready to download.

Contractors

16 risk classes
  • Remediation
  • Storage Tank
  • Asbestos, Lead and Commercial Mold
  • Emergency Response
  • Commercial Landscaping
  • Hazardous and Medical Waste
  • Service Station
  • +9 more

Consultants

15 risk classes
  • Remediation Design and Oversight
  • Storage Tank
  • Asbestos, Lead and Commercial Mold
  • Analytical Laboratory
  • Hydrology and Geology
  • Compliance
  • Environmental Technology
  • +8 more

Engineers

15 risk classes
  • Remediation Engineers
  • Refinery Engineers
  • Industrial Hygiene Engineers
  • Environmental Engineering
  • Civil Environmental Engineering
  • Process Engineering
  • Geothermal Engineers
  • +8 more

Site Pollution

13 risk classes
  • Hospitals and Health Facilities
  • Colleges and Universities
  • Commercial Real Estate
  • Golf Courses
  • Auto Dealers and Car Washes
  • Manufacturers
  • Recyclers
  • +6 more

Storage Tanks

11 risk classes
  • Petroleum Marketers
  • Underground Tanks
  • Aboveground Tanks
  • Marinas
  • Municipalities
  • School Districts
  • Gas Stations and Convenience Stores
  • +4 more

See every risk class and appetite guide

How we work

Underwriting with stability in mind

We rate each exposure for the risk at hand, not for whatever the market is doing that quarter, and we adjust every claim fairly.

Underwriting and claims excellence

Experienced underwriters with access to third-party data that is usually out of reach, and claims handled with environmental specialists.

Operational excellence

A technology-enhanced processing system and a team motivated to give agents fast, clear answers.

Wholesale distribution

We work only through wholesale partners, combining our products with their expertise to build the right program for each insured.

The seven virtues we bring to every transaction

  • Wisdom
  • Responsibility
  • Preservation
  • Diligence
  • Humility
  • Patience
  • Philanthropy

Community

A healthy portion of our profits goes back out

Proceeds from every bound account support the Rally Foundation for Childhood Cancer Research, alongside causes our own team brings to us.

Rally Foundation for Childhood Cancer Research

Rally Foundation for Childhood Cancer Research

Virtue sponsors the Rally Foundation, which raises awareness and funds for research into all types of pediatric cancer. Proceeds from every bound account go toward Rally's mission. Our first New York dinner for Rally in May 2018 raised over $80,000.

Ronald McDonald House Charities of Richmond

Ronald McDonald House Charities of Richmond

RMHC gives families with an ill child a home away from home during treatment. Ledya Yigzaw volunteers with its Happy Wheels program at Children's Hospital of Richmond at VCU.

Feed More and Central Virginia Food Bank

Feed More and Central Virginia Food Bank

A donation suggested by Brad Carroll toward Feed More's hunger relief work, where every dollar helps provide four meals.

All the causes we support