Delegated authority · product · platform
ModernRisk builds delegated authority operations where the economics are legible from day one — rate adequacy, ceded structure, earned premium, and reserve movement computed off one ledger instead of reconciled in a spreadsheet at quarter end. We work with carriers and reinsurers, program founders, and the capital behind them.
Transactions journaled to a line-item ledger — premium provable to the penny.
Bordereaux and cash position available to capacity the day after bind.
Lifecycle transactions modeled end to end, new business through renewal.
Month-end spreadsheets required to produce the close.
Solutions
Capacity providers rarely lose confidence over loss picks — they lose it over visibility. Every program we build is journaled at transaction grain, so bordereaux, earned premium, and ceded balances reconcile without a human in the loop.
Authority agreements, underwriting guidelines, controls, licensing posture, delegated reporting, and the operating cadence that keeps capacity comfortable. Built to survive audit before it writes a dollar.
Coverage architecture, rating plans, forms and filings, and the go-to-market motion behind them — designed with the distribution and the capacity in the room, not after.
Rating engine, policy lifecycle, document generation, and double-entry premium accounting on an API-first spine. Built as product, not as a systems-integration project.
Rating plans expressed as versioned code, referral rules, and underwriting guidelines the engine actually enforces — so what was filed is what binds, every time.
Submission triage, rate adequacy, and drift monitoring computed at transaction grain — models governed, versioned, and explainable to a regulator and a reinsurer alike.
Pre-investment diligence on MGAs and programs, plus operating turnarounds on books that drifted: rate, mix, expense, and the controls that let it happen.
Technology platform
The policy platform we build on: rating, rules, policy administration, documents, and double-entry premium accounting — API-first, so the whole lifecycle is one integration.
Rate, quote, bind, endorse, cancel, reinstate, renew. Every transaction journaled to a line-item ledger, provable to the penny at month end.
stratamga.modernrisk.ai →Under the hood
Two auth modes — API keys for systems, JWT for people — with producer-level scoping.
Media & insights
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Why platform-first sequencing changes what delegated authority can be underwritten against.
Transaction-grain bordereaux, provable earned premium, and no month-end spreadsheet.
Designing rating plans that survive three years of iteration without a refile treadmill.
Named placements and conference appearances land here once we are out of stealth.
Contact us
A program, a product filing, a platform build, or a book that needs an operating spine. First conversation is a working session, not a pitch.