Insurance for the risks that standard programs miss.
Trade credit, surety, cyber, tech E&O, marine, political risk and transaction cover.
We build the file an underwriter needs, so it answers their questions before they ask.
- Free exposure read, written up in two days
- Reply within one business day
- Never bundled with other work
Each line is a different underwriter with different questions.
We know what each one will ask. Your submission arrives with the answers.
Trade credit
ForBusinesses selling on terms, at home or abroad.
Underwriters askBuyer concentration, payment history and the credit limits you need.
Surety and bonding
ForContractors and businesses with bonded obligations.
Underwriters askFinancial statements, work in progress, backlog and indemnity.
Cyber
ForAny business that holds data or runs on systems.
Underwriters askAccess controls, backups, multi-factor sign-in and incident response.
Tech E&O
ForSoftware and technology service providers.
Underwriters askContracts, revenue mix, liability caps and claims history.
Marine and cargo
ForBusinesses moving goods by sea, air or land.
Underwriters askCommodities, routes, values per shipment and packing.
Political risk
ForAssets, contracts or receivables in volatile countries.
Underwriters askCountry exposure, contract terms and government counterparties.
Transaction cover
ForBuyers and sellers in an acquisition, including RWI.
Underwriters askThe QoE, diligence reports and the purchase agreement.
Day-1 standalone program
ForBusinesses leaving a parent or changing owners.
Underwriters askThe current program, what stops at closing, and loss history.
The cost of a gap is rarely the premium you saved.
Trade credit · synthetic
A distributor with one large export buyer
- Annual sales
- $40M
- Net margin
- 4%
- Owed by one buyer abroad
- $2.2M
$55M of new sales to earn back one unpaid balance. That is more than a full year of revenue.
The submission led with aging, payment history and credit limits for the top 20 buyers.
Day-1 program · synthetic
A division leaving its parent's insurance
- Parent allocation
- $95K
- Standalone program
- $275K
- Purchase multiple
- 5x
$900K of price, found before signing. The $180K yearly increase comes straight out of earnings.
The program was quoted before closing, so cover started the morning after.
Coverage that was shared yesterday has to stand alone tomorrow.
When a business leaves its parent or changes owners, the policies and bonds usually stay behind.
We find what stops at closing and price the standalone program into the deal, before the price is set.
Closing soon? Coverage gaps surface the week of closing.
Send the business and the date. The first look is free.
The product comes after the problem is clear.
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01
Define the exposure
What could go wrong, what it would cost, and who requires the cover.
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02
Build the file
Financials, contracts, controls and loss history, organized the way the underwriter reads.
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03
Take it to market
Through appropriately licensed parties, with terms compared side by side.
What do you need covered?
Tell us the business and the exposure. A few lines is enough. Details are optional.
Insurance availability is a real underwriting decision.
Placement is performed by appropriately licensed parties. Coverage, pricing, limits and capacity are never guaranteed.
Insurance is never discounted, bundled or offered as an inducement for other work.
If we wrote the Quality of Earnings on your deal, any role in your RWI is disclosed in writing first.