One submission. Both markets.
Most risks do not announce which market they belong to. You send one submission and we route it against admitted appetite and surplus lines appetite at the same time, on the same set of facts.
No duplicate applications, no second round of questions, no waiting to find out a carrier declined a class it never wrote. One thread from submission to bound.
What we place.
Submission to bind.
Describe the risk in plain language or upload an ACORD.
Matched against live admitted and E&S appetite.
Indications back from the carriers that actually write it.
Binder, policy and surplus lines filings handled.
A wholesaler that meets you where you are.
Your producers do not have to learn anything new. Send business the way you already send it, and get the same appetite, the same markets and the same file back.
Full submission history, documents and status in one workspace. Nothing lives in a mailbox.
Forward the submission the way you already send it. We read the ACORD, the loss runs and the thread, and the file is open before you reply.
Submit and track from the channel your producers already work in. No new login.
What brokers say.
We stopped guessing which market a risk belonged in. One submission goes out and we know by lunch who is interested.
The surplus lines filings used to eat a day a week. Now they come back done and I have never had a stamping office kickback.
What brokers ask.
Do I need an appointment to submit?
Yes, when you are ready to send a file. Most agencies are onboarded the same day. Book a call to talk through a risk in the meantime.
What does onboarding require?
Your agency license, an E and O certificate, a W-9, and a signed broker agreement. Upload them once and most agencies are cleared the same day.
What does it cost?
There is no cost to check appetite and no volume commitment. When you are ready to place business you can work pay as you go, or move to a subscription if you are submitting regularly and want the better economics. Both give you the same market access.
Who owns the client relationship?
You do. Your expirations are yours, we do not solicit your accounts, and we do not contact your insured directly. This is written into the broker agreement.
What is the difference between admitted and non-admitted, and when does it matter?
Admitted carriers are licensed in the state and backed by the state guaranty fund. Surplus lines carriers are not, and they are not subject to the same rate and form regulation, which is what lets them write risks the admitted market declines. We route against both at once, so you do not have to decide up front.
Who handles surplus lines taxes and stamping office filings?
We do. Filings, taxes, and diligent search documentation are handled on our license. You get the confirmation for your file.
How fast will I hear back?
Appetite indications come back in minutes. Most risks we quote and bind the same day. Complex accounts take longer to structure and we work to close them within twenty four hours.
How is AI used, and is a person reviewing my file?
AI reads the submission, matches it to live carrier appetite, and prepares the file. A licensed broker reviews every submission before it goes to market. Appetite responses are indications, not quotes or binders.