Underwriting

CrossCover's deep underwriting experience, underwriters’ long-term profitable track record, and internal compensation structure consistently align with our carrier partners' target results.

Risk Selection

CrossCover partners with exclusive brokers that control target business.

Risk Measurement & Pricing

We price 12 perils for each location, factoring in loss history, COPE specifics, and onsite inspections. Perils are tied directly to TPA claim reporting to determine the adequacy of pricing for each peril. This allows CrossCover to assess loss ratios for each of the 12 perils anywhere and for any occupancy written.

Risk Rating

Accounts are rated on CrossCover’s Benchmark Profit (BP), and its Underwriters are mainly compensated based on BP, rather than premium.

Risk Management

Catastrophe risk is managed at the account and portfolio level. Exposures are managed across geographies and class sectors.

Balanced Portfolio

Predominantly non-CAT book of business spread across the country. The impact of every risk is measured before quoting.