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Our extensive underwriting and engineering experience, a proven long-term track record, and internal compensation structure consistently align with our carrier's target results.

Risk Spread

CrossCover’s underwriting and engineering experience enables us to write diverse occupancies. Additionally, we leverage our CAT capacity to write business across the country. The result has been a high return on capital for our carrier partners.

Risk Rating

CrossCover uniquely prices twelve (12) perils for each location, factoring in loss history, COPE specifics, onsite inspections, and the underwriter’s experience. Perils are tied directly to claims data to determine the adequacy of pricing for each peril. This enables us to determine loss ratios for each of the twelve perils for any occupancy written, anywhere in the country.

Underwriters’ Measurement & Compensation

Accounts are rated to a Benchmark Profit (BP). Underwriters are then compensated based on that benchmark, rather than written premium. This links underwriters’ performance and compensation to our carrier’s results.

Portfolio Management

Catastrophe risk is managed at the account and portfolio levels. Exposures are monitored across geographies and class sectors using RMS, AIR, Aggregate Limits, and proprietary tools. PML Drivers are identified upfront, or eliminated to improve our portfolio metrics.