Check appetite

Delegated authority

Program access with binding authority behind it

The answer agents need first is not a price. It is whether anyone will write it at all.

Check appetite

How the programs work

Delegated underwriting authority

Where we hold it, we commit without waiting on a carrier referral.

Published appetite

Program guidelines tell you up front what will and will not be quoted.

Online submission

Submit the risk and track it, instead of chasing an underwriter.

Binding and issuance

Within authority, documents are issued immediately.

Submitting a risk

  1. Check the program guidelines for the class and state.
  2. Submit the application with five years of loss runs.
  3. We confirm appetite, usually within a day.
  4. Where authority applies, we quote, bind and issue without a referral.

Program questions

What do you need to confirm appetite?

The class of business, the state, the loss history and any contract requirements. The loss runs are the usual missing piece.

Do you appoint retail agents?

Yes, for agents producing in classes we write. Tell us your classes and states when you ask.

What does delegated authority actually change?

It removes the carrier referral step. A risk that fits the program can be bound by us rather than waiting on a carrier underwriter.

Classes in the programs

Contractors, including roofing and concrete where guidelines allow

Habitational, subject to age and loss history

Restaurants and bars, including late-night operations

Light transportation and owner-operators

Check program appetite

Tell us the class, state and loss history and we will give you a yes or no quickly.