SHAPING
Building the Foundation for Growth
Insurance businesses don't fail because of bad ideas; they fail because of poor execution on regulatory approvals, inadequate capital planning, or misaligned market entry strategies. We help you build the foundation right from the start because we've built the foundations ourselves - not just advised others on how to do it.
What We Do
Market Entry & Regulatory Strategy
Entering a new market isn't just about filing paperwork. It requires understanding of local regulatory expectations, building authority relationships, and structuring your business model to meet both commercial and compliance objectives.
We develop market entry strategies that account for regulatory timelines, capital requirements, and operational substance needs. We've secured approvals from the PRA, FCA, GFSC, and MFSA, and navigated frameworks across the UK, Gibraltar, Malta, Germany, and the Netherlands.
Carrier & MGA Setup
Setting up an insurance carrier or MGA requires more than a business plan. You need the right jurisdiction, appropriate capital structure, robust risk and governance frameworks, and credible leadership teams that regulators will approve.
We guide you through the complete setup process: jurisdictional analysis, entity structuring, regulatory submission preparation, capital planning, governance framework design, and key function holder appointments. We've set up carriers in Gibraltar and Malta, established MGA operations across Europe, and know what it takes to get from concept to authorisation.
Product Development
Insurance products fail when they're designed by people who've never underwritten risk. We build products that work - combining the customer needs with underwriting discipline, pricing rigour, and regulatory compliance.
We design product structures, develop underwriting frameworks, build pricing models, draft policy wordings, and create distribution strategies. Our products are built for good customer outcomes and profitability, not just growth.
Reinsurance Structuring
Your reinsurance program is your capital management strategy. Poor structuring leads to capital inefficiency, regulatory scrutiny, and limited growth capacity.
We give guidance on quota share arrangements, design excess of loss programs with your reinsurance broker, support your negotiations with your reinsurance panel, and build relationships with global reinsurers. We understand what A-rated reinsurers look for and how to structure programs that support both capital efficiency and regulatory approval.
Distribution & Partnership Strategy
Distribution partnerships fail when commercial terms don't align with operational reality. We structure partnerships that work for both parties.
We design distribution models, structure commercial agreements, build broker and affinity partnerships, and create embedded insurance programs. We've worked with global automotive OEMs, broker networks, and digital platforms to build scalable distribution.
Risk & Programme Structuring
Insurance buyers waste millions on programmes that look sophisticated but don't work. Captives that shouldn't exist. Large deductibles without proper governance. Fleet risk management policies nobody follows. Policies without the right retention.
We fix what's broken and build what works. Fleet claims diagnostics and solutions, captive feasibility that tells you the truth, large deductible programme design, and risk retention optimisation. We've reduced fleet claims frequency by 30%, saved clients from expensive captive mistakes, and structured retention programmes that actually deliver. We implement, not just recommend.
How we work
Strategic Advisory
For clients who need direction and expertise but have internal resources to execute. We provide the framework, roadmap, and critical guidance while you deliver.
Hands-On Execution
For clients who need us embedded in the work. We prepare regulatory submissions, negotiate with authorities, structure reinsurance programs, and build operational frameworks alongside your teams.
End-to-End Delivery
From initial concept through regulatory approval and operational launch. We take full responsibility for delivery while building your internal capability.
Typical Engagements
UK MGA establishment: FCA authorisation and operational launch
Gibraltar carrier setup: jurisdictional analysis through to regulatory authorisation
European market entry: regulatory strategy and fronting arrangement structuring
Product launch: concept through underwriting framework and pricing model
Reinsurance program design: quota share and excess of loss structuring
Fleet customer who wants to improve their claims experience or implement risk management measures
Outcomes We Deliver
Carriers and MGAs operational and writing business
Regulatory approvals secured across multiple jurisdictions
Products launched with robust underwriting frameworks
Reinsurance programs are structured and placed
Distribution partnerships established and generating volumes
Fleet claims frequency reduced through the implementation of risk frameworks
Risk programmes structured with honest economics and operational governance