CrossCover focuses on wholesale segments across the nation as an alternative to the usual large CAT strategies along the coasts. We underwrite former standard market accounts as E&S risks utilizing careful risk analysis, risk selection and our Guardian policy form. Our extensive experience in the broad property sector allows us to be selective, underwrite with strong terms and conditions, while balancing risk reward with market norms. We seek adequate and fair terms for long-term profitable risks, while avoiding uncertain and volatile risks/classes.

CrossCover achieves diversity of business and geographical spread through our broker partners by:

Limited broker appointments.


Appointing Individual Brokers (not companies or offices)

Based on: Occupancy-class specialists, Territory specific to achieve nationwide presence and Strong personal relationships.

Real-time Broker Management System

We Monitor: Submission and quote hit ratios, Territory, CAT vs. non-CAT accounts, Class of business – Target classes


CrossCover will maintain a diversified portfolio by leveraging authorized CAT capacity to write three-to-one non-CAT to CAT risks to reduce volatility and lower carriers’ reinsurance costs. This will generate top-tier return on equity for our carrier partners.


To fit the needs of its carriers and target business, CrossCover takes advantage of the IT infrastructure of Orchid Insurance to complement its own systems.