The risk the platforms already read
A business known before it is covered: the site, the books, the loss history, and the owner.
What we source
Cover meant to be written by us, or through a partner carrier, limited to the scenarios our other platforms already understand.
Commercial cover is what the Insurance line is meant to write, and narrowly on purpose. The holding company is meant to write cover itself, or place it through a partner carrier, only for scenarios its other platforms already handle: the business that finances its premium, the operator with equipment and a contract, the storefront, clinic or workplace held as performing property.
What we run
The underwriting desk, on the same file that tells credit whether the premium can be financed.
Before a risk is priced, the desk reads the file those platforms hold: the site where the work happens, the books behind it, the loss history on it, and the owner who runs it. The desk belongs to the holding company, not to the platform, and it keeps one file for two jobs: the read that prices the cover is the read that tells credit whether the premium can be financed, so a business that finances its premium is underwritten once, not twice.
How it is checked
Underwriting, in-house audit, risk assessment, and active asset management.
Every policy is meant to sit on the same four controls as every other asset we hold: priced by our own underwriting before capital moves, checked in-house rather than reported, assessed for how the scenario fails before the risk is priced, and run day to day. A risk the file does not support is turned away, and that is where the premium is kept.
