Our insurance solutions include either pooling with other insurance companies or the appointment of insurance companies as program underwriting agencies. This provides additional underwriting capacity and access to higher ratings and expanded licensing.
Pooling provides underwriting capacity similar to quota share reinsurance, but with the additional benefit that it reduces gross premiums flowing through our clients and therefore improves BCAR scores.
Pooling also benefits clients by providing additional admitted primary company paper in states where our clients are not licensed or where additional rating tiers may be needed.
Finally, pooling provides benefits compared to typical fronting arrangements by reducing or eliminating fronting fees. Our commission structure is also competitive, so that our clients are often able to improve their net expense ratios as a result.
