Ex-Tesla Insurance Europe | Ex-Zego | FCII | FCA • GFSC • MFSA Approved
Optimising
We work with insurers and MGAs whose portfolios are underperforming or whose operations have outgrown their foundations. We diagnose the real problems, pricing, underwriting, data, structure, and fix them. Not a deck and a wave goodbye. Actual execution.
The Problem
Growth without profitability isn't success, it is a path to regulatory intervention. Many insurance entities struggle with deteriorating performance due to fundamental operational cracks:
Uncontrolled Loss Ratios: Portfolios suffering from "silent" loss leakage or inadequate pricing that won't heal without precise intervention.
Pricing Stagnation: Relying on manual processes and "gut feel" instead of dynamic, data-driven models that respond to real-time risk.
Underwriting Weakness: Inconsistent governance and weak risk assessment tools that lead to adverse selection and capital erosion.
Sub-optimal Reinsurance: Treaties that are poorly structured, leaving profit on the table or creating an unnecessary capital burden on the balance sheet.
Our Approach
Deep technical analysis and tactical intervention to identify and address the root causes of underperforming insurance portfolios.
Reducing manual touchpoints and operational friction across the policy lifecycle and back-office functions for maximum efficiency and cost savings.
Leveraging telematics, behavioural, and alternative data sources for better risk assessment, pricing, and loss prevention.
Fixing regulatory, operational, or technical gaps with focused, outcome-driven projects that mitigate risk and improve performance.
Who It Is For
Underperforming Carriers
Insurance companies needing deep-dive portfolio remediation to identify loss drivers and implement "hard medicine" corrections.
Modern Insurtechs
Agile firms that need to move beyond basic rating to sophisticated, dynamic pricing frameworks and telematics-based algorithms.
MGAs Seeking Capacity
Entities that need to demonstrate underwriting excellence and rigorous governance to secure or retain high-quality capacity partners.
CFOs & Risk Officers
Leaders looking to optimize reinsurance structures (Quota Share or XoL) to improve capital efficiency and reduce concentration risk.
Operational Leaders
Teams focused on efficiency who need to reduce claims handling times and process friction through disciplined redesign.
Related Guides & Resources
Practical insights for insurance operators and founders.
UK Domicile
PRA or Gibraltar? A practical comparison of the two most common carrier domicile choices for UK market entry, timelines, capital, and what each regulator actually expects.
Ready to talk?
Whether you're building, scaling, or fixing an insurance operation, we've been there. Book a free 15-minute conversation.