OPTIMISING
Driving Sustainable Profitability and Growth
Growth without profitability isn't success - it's a path to regulatory intervention. We fix the fundamentals that drive sustainable performance: pricing, underwriting, claims, and operational efficiency.
What We Do
Portfolio Remediation
Unprofitable portfolios don't heal themselves. Poor risk selection, inadequate pricing, or claims leakage requires precise diagnosis and effective treatment.
We analyse portfolios to identify loss drivers, develop remediation strategies, implement pricing corrections, tighten underwriting criteria, and improve claims outcomes. We've turned around underperforming books in our own businesses - we know what medicine works because we've prescribed the remedy ourselves, not just advised others on how to do it.
Pricing Sophistication
Too many insurers are still pricing with the equivalent of an abacus - manual processes, gut feel rates, and static models that don't respond to risk.
Insurance is won or lost on pricing discipline. Too aggressive and you burn capital. Too conservative and you lose distribution. Getting it right requires technical rigour and commercial judgment.
We build modern pricing models, develop rating algorithms, implement dynamic pricing strategies, and establish pricing governance frameworks. We've developed global fleet pricing models, implemented telematics-based rating, and built pricing sophistication for insurtechs and carriers.
Underwriting Excellence
Underwriting is about balanced judgment backed by data. Poor underwriting frameworks, inadequate risk assessment, or weak governance leads to adverse selection and loss ratio deterioration.
We design underwriting frameworks, build risk assessment tools, establish underwriting governance, and train underwriting teams. We've built underwriting disciplines from scratch and been accountable for the loss ratios—we know what works because we've lived with the consequences of getting it wrong.
Reinsurance Optimization
Your reinsurance programme should be a capital management tool, not just risk transfer. Like Tetris, optimisation is about strategic placement -every piece positioned for maximum efficiency.
Poor structures leave value on the table or create unnecessary capital burden.
We support your discussions to restructure quota share arrangements, optimise excess of loss programs, renegotiate commission structures, diversify reinsurance panels, and improve capital efficiency. We've restructured programs to improve profitability by 30%+ while reducing concentration risk in our own P&Ls, with our own capital at stake.
How we work
Diagnostic & Strategy
Deep-dive analysis to identify root causes and develop remediation roadmap. Typically 4-8 weeks.
Implementation Support
We design the solution and work with your teams to implement. You build internal capability while we ensure delivery.
Full Delivery
We take end-to-end responsibility for delivery, embedding with your teams to execute the transformation.
Typical Engagements
Portfolio remediation: diagnosed loss drivers and implemented pricing/underwriting corrections
Pricing model development: built global fleet pricing framework with burning cost methodology
Underwriting framework design: established underwriting authorities, guidelines, and governance
Reinsurance restructure: expanded panel from 1 to 3 markets and improved commission terms
Operational efficiency program: reduced claims handling time by 40% through process redesign
Outcomes We Deliver
Loss ratios improved through pricing and underwriting corrections
Operational costs reduced while maintaining or improving service quality
Reinsurance programs restructured for better economics and reduced concentration risk
Data and analytics capabilities built to support better decision-making
Performance management frameworks established and embedded
Regulatory capital efficiency improved through optimized structures