Program
Complex risks
Bespoke underwriting for non-standard and hard-to-place P&C accounts. Distressed property, construction wrap-ups, environmental exposures and manuscript wordings, structured with our reinsurance partners.
- Distressed and high-hazard property
- Construction wrap-ups and project policies
- Environmental and pollution liability
- Manuscript wordings and layered placements
What we underwrite
- Distressed and protected vacancy property
- Heavy industrial and processing occupancies
- Construction wrap-ups (OCIP, CCIP) and project policies
- Environmental impairment and contractors pollution
- Habitational with adverse loss history
- Manuscript primary and excess wordings
Who we help
- Brokers with declined or non-renewed accounts
- Owners executing turnaround on distressed assets
- Construction managers needing wrap-up cover
- Operators with environmental or legacy exposures
- Brokers seeking layered or quota share solutions
- Insureds in transition (acquisition, restructure)
Eligibility
Use these guideposts before you submit. Edge cases are welcome, send the file and we will tell you within 48 hours whether we can quote.
Within appetite
- Risks with a clear remediation or improvement plan
- Brokers willing to share full loss and engineering data
- Construction projects with identified GC and consultants
- Environmental risks with a current Phase I or II report
- Accounts where capacity is the issue, not character
Out of appetite
- Active, undisclosed litigation against the insured
- Risks with no loss control or improvement commitment
- Accounts placed solely on price with no underwriting story
- Sanctioned counterparties or jurisdictions
Capacity at a glance
Indicative only. Final terms are subject to underwriting and insurer principal sign off.
- Property capacity
- Up to $50M (layered)
- Casualty primary
- Up to $10M
- Excess and umbrella
- Towers to $50M
- Environmental
- $1M to $25M
- Wrap-up project values
- Up to $500M
Broker submission
Four steps from clean submission to bound policy.
- 1
Pre-submission call
Send a one page summary or call us. We confirm appetite and tell you what we need before you spend time packaging the file.
- 2
Full submission
Send loss runs, COPE or project specs, engineering, and the underwriting story. We assign a senior underwriter immediately.
- 3
Structuring
We structure primary, excess, quota share or manuscript wording as needed and pre-clear with reinsurance partners.
- 4
Quote and bind
We issue firm terms with subjectivities clearly stated and bind on receipt of acceptance and any required surveys.
Include in your submission
- Loss runs (5 years, valued within 60 days)
- COPE, SOV or project specifications
- Engineering, Phase I or II, or audit reports
- Underwriting narrative (what changed, why now)
- Current and target program structure
- Any subjectivities you can already satisfy
Broker FAQ
How fast can you respond on a hard deadline?
If you have a binding deadline inside 10 days, call us first. We will tell you on the call whether we can meet it and what we need.
Will you write a manuscript wording?
Yes. Most complex placements end up on a manuscript wording. We draft, you and the insured review, we finalize with our principal.
Do you participate in layered programs?
Yes. We sit primary, excess or quota share, and we are comfortable working alongside other markets in a tower.
Ready to put a file in front of underwriting?
Send a clean submission and we will respond within 48 hours.