Platform
Six systems that behave like one
Underwriting, rating, policy, claims, delegated authority and portfolio reporting on a single record. Configured to your classes, not a general platform with a specialty skin.
Underwriting workbench
The whole submission in one place
Intake through to bind, without a single rekey.
Intake
Broker email, shared mailbox, portal upload or API. Open market and delegated referrals in one queue.
Extraction
Slips, schedules and loss runs read on arrival. Every value carries a confidence score and a citation.
Risk and exposure
Locations, construction and occupancy, geocoding, catastrophe zone and aggregation against your live book.
Coverage
Occurrence or claims made with retro dates, layers and attachment points, per section deductibles.
Appetite
Rule engine scoring with every hit shown and explained.
Decision and bind
Drafted rationale, subjectivities, authority checks and four eyes approval.
Broker response
Quotes, firm orders and declinatures published to a role gated surface, not lost in email.
| Reference | Insured | Source | TIV USD | Appetite | Age |
|---|---|---|---|---|---|
| PD-2026-0481 | Northgate Cold Storage | Open market | 486.2m | Strong | 2h |
| PD-2026-0479 | Harbour Point Marina | Open market | 94.7m | Refer | 6h |
| PD-2026-0477 | Castellan Hotels Group | Delegated | 212.0m | Strong | 1d |
| PD-2026-0474 | Meridian Aggregates | Open market | 58.9m | Outside | 1d |
| PD-2026-0471 | Aldgate Logistics Park | Delegated | 301.4m | Strong | 2d |
UMR: B1234ABC2026001
INSURED: Northgate Cold Storage Ltd
PERIOD: 12 months at 01 October 2026
INTEREST: Refrigerated warehousing and distribution
TOTAL SUM INSURED: USD 486,200,000
BASIS: Occurrence, per location limits as schedule
DEDUCTIBLE: as endorsement 3 attached ...
Refrigerated warehousing within appetite. Sprinklered throughout, ammonia plant with annual inspection, no losses above deductible in five years. Gulf wind aggregation at 84% of zone capacity, so a 30% line is taken rather than the 40% offered. Priced at 107.5% rate adequacy against a technical rate of 0.264%.
Rating and pricing
Technical price first, judgement second
Every risk is rated before bind is reachable.
Technical rate
Computed and locked from your risk model before an underwriter can price.
Build up
Risk premium through acquisition, claims handling, reinsurance, catastrophe load, profit and capital.
Loading
Loadings applied against a live rate adequacy readout, so the gap is visible when it is created.
Rate on line
Tracked across the book, with movement against expiring terms on every renewal.
Your models
Connected by API or ingested from the spreadsheets your pricing team already maintains.
Expiring rate movement on this occupancy is +4.1%. A loading between 6% and 9% holds rate adequacy above 105% while remaining competitive against the expiring terms.
Policy administration
A bound book that holds its history
Versioned records, not overwritten rows.
In force book
Policies with market reference, line size, period, exposure and share premium.
Endorsements
Sum insured changes, added locations, extensions and cancellations with effective date and premium adjustment.
Renewals
Expiring book by days to expiry, with prior terms carried into a new case rather than editing history.
Cancellation
Cascades through policy, billing and documents as one atomic action.
Documents
Generated from the bound record, so document and data cannot drift apart.
Claims administration
Claims connected to the risk that was written
The same record, from bind to settlement.
Notification
Coverage, deductible and layer position resolved from the policy, not retyped.
Reserving
Indemnity and expense reserves with movement history and the reasoning behind each change.
Settlement
Handler authority mirrored from the underwriting model, with referral at the limit.
Feedback
Loss experience flows back into renewal pricing and portfolio reporting.
Delegated authority
Binders you can see into
Coverholder oversight without a spreadsheet chain.
Register
Binder references, authority limits and utilisation, loss ratio, audit and sanctions review dates.
Bordereaux
Ingested and validated against market standards, with exceptions assigned and tracked to resolution.
Utilisation
Written premium against granted authority, monitored continuously rather than at year end.
Referrals
Coverholder referrals in the same queue, scored against the same appetite.
| Coverholder | Type | Period | Risks | Exceptions |
|---|---|---|---|---|
| Ashford Underwriting | Premium | Aug 2026 | 1,284 | 0 |
| Kestrel Speciality | Premium | Aug 2026 | 962 | 14 |
| Vantage Programs | Claims | Aug 2026 | 77 | 0 |
| Brightwater MGA | Premium | Jul 2026 | 2,411 | 31 |
Brightwater MGA, July 2026: 31 risks carry a postcode that does not resolve to a catastrophe zone. Aggregation for those risks is excluded until resolved.
Portfolio intelligence
The book, as it stands right now
Management information that does not wait for month end.
Aggregation
Exposure by catastrophe zone against capacity, with breach and near limit flags.
Modelled loss
Probable maximum loss, occurrence exceedance and realistic disaster scenarios net of reinsurance.
Performance
Written against plan, rate movement, retention, hit ratio, loss and combined ratio.
Pipeline
Live submissions attributed into the exposure picture before they bind.
Multi currency
Your reporting currency, with revaluation across the currencies you write.
Integration
Designed to sit inside your architecture
Source of record neutral. It connects to what you already run rather than demanding everything else move first.
Placing and messaging
API connectivity to digital placing gateways, with structured messages mapped into the underwriting data model so submissions arrive as data, not attachments.
Core and finance
Two way integration with policy administration, general ledger, premium processing and reporting.
Identity and enrichment
Enterprise single sign on with your identity provider, plus sanctions, credit, registry, geocoding and catastrophe providers of your choosing.