Underwriting Methodology

One of the most powerful tools on our workbench is our underwriting methodology. Rather than relying strictly on manuals that may not allow for the unique characteristics of your business, we factor in your experience to create a blend of manual and experience rates.  We gather as much information as possible, placing particular emphasis on managed care and how it affects your risk profile. For each case we underwrite, we like to examine: 

  • Three years of excess claim experience
  • Manual rates based on coverage, location, network contracts and referral patterns
  • Information about your goals, marketplace, network, membership, and managed care programs

Our goal is to provide competitive rates that produce long-term results and keep your budget stable.