What we do

Today's Property & Casualty (P&C) insurance landscape is both vibrant and facing major disruptive change. The P&C environment varies considerably, depending on a(n) (re)insurer's preferred risk profile(s) and business footprint.

Some (re)insurers are renowned for their underwriting capabilities, as evidenced by their results, while others struggle to maintain consistent quality. To enhance performance, it is crucial to understand that underwriting encompasses more than just risk selection and pricing. It demands a comprehensive set of skills, including both hard and soft skills, qualitative judgments about future industry performance, and rigorous portfolio management to avoid markets where even excellent underwriting cannot offset unfavorable conditions. Additionally, underwriting performance is influenced by external factors, such as business development activities with distribution partners, which help generate a consistent and attractive submission flow.

It is understood that there is no "one size fits all" formula for success in underwriting. Operating models vary significantly based on industry, region, client size, and product. Large accounts have more bespoke coverage needs, so successful underwriting involves rigorous risk selection, creative yet prudent coverage design, and effective limits management. Midmarket accounts do not receive the same level of bespoke customization involving a lighter touch, yet they demand more analysis and structuring than SME accounts. SME coverage needs are relatively standard, making simplicity and automation critical success factors. Beyond large, midmarket, and SME clients, many other segments have unique underwriting requirements. These include programs or managing general agents, binders and delegated authority, wholesale, London Markets, non-P&C coverages (such as political risk and surety), and industry-centric products like environmental, construction, marine, cyber, and energy, among others.

Effectus Insurance Managers is your synergistic solution for achieving consistent performance built on profitable growth. Our team consists of seasoned insurance, risk management, and financial professionals with nearly a century of combined expertise. We excel at accomplishing the seemingly impossible by constructing, reconstructing, and, if necessary, deconstructing well-intentioned but unsuccessfully conceived, positioned, managed, and underwritten insurance programs.

Our specialists work closely with you to create custom solutions that deliver optimum value. Acting as an extension of your team, our experts accurately identify, develop, and implement the right products and programs for you. Our success is supported by our extensive Property & Casualty portfolio that is diversified and geographically spread across the USA.

We are authorities at:

• Identifying what the market wants and needs
• Creating multi-year plans to support company objectives
• Using data to identify growth opportunities and trends
• Working with regulators, industry organizations, and internal partners
• Leading the implementation of new products and enhancements to existing products
• Using advanced pricing techniques to anticipate and address complex social, economic, legal, and operational forces
• Lowering operating costs utilizing innovation, differentiating new products and revisions to established products