Our Program Managers

We are extremely careful in selecting our business partners. We align ourselves with program managers that demonstrate the following attributes:

• Long term profitable results evidenced by at least 5 years of high quality loss, premium and exposure data
• Unique expertise and critical mass in their chosen niche
• Sophisticated operating platforms and policy processing/data management capabilities
• Excellent reputation with key constituents such as brokers, agents and relevant industry trade associations
• Solid track record of success in their business including, operating margins, cash flow and assets with a demonstrated history of re-investment in their business infrastructure
• Specialization in a risk class that is profitable, niche focused and able to withstand the market pricing cycle
• Cultural fit with our organization and existing partners and a carrier mentality in respect to achieving required return levels on allocated capital as opposed to top line growth

We empower our Program Managers by allowing them to develop operating platforms that meet their needs, as opposed to requiring them to use a carrier developed system that may be more complex and less efficient. Our Program Managers have developed policy rating and issuance capabilities that allow them to underwrite, rate, quote, bind and issue policies, collect and remit premium and taxes, and seamlessly pass us transactional level data in sufficient detail and accuracy to meet our financial and statutory reporting needs.