Mutual Underwriters offers mutual insurance companies, small insurance carriers, risk retention groups (RRGs), captives, and self-insurers access to a full policy administration system (PAS) technology solution as well as underwriting expertise to help grow an existing book of business, enter a new market or territory, support product development, and write additional risks that fall within your wheelhouse but outside your capacity or expertise. We work as your partner – as an extension of your organization – to provide you with our underwriting talent and extensive knowledge of product administration for a winning combination when leveraging our experience and economies of scale to go to market.

We can provide you with a Policy Administration System (PAS) for new and renewal account quoting, rating, underwriting, policy issuance, administration, and marketing. Because we spread the technology costs over multiple clients, we are able to reduce the capital outlay for any one client. You can offer your agency partners an on-line portal to submit and write new business efficiently, providing them with the added value of responsive, quality service in this competitive and demanding market.

In addition, with our advanced platform, you don’t have the challenges inherent with outdated legacy systems and the need to work around them with manual processes and one-off technology efforts. Our modern and cutting-edge technology eliminates these issues, enabling your company to realize efficiencies, gain flexibility, and organize data for business analytics to better manage your business and target your underwriting guidelines and rates toward profitable business. Our technology also allows for direct data integration with third-party data providers, improving accuracy and efficiency in policy quoting and processing.

In looking to add to your insurance product line, you may see an opportunity that complements what your company or captive already writes. This approach could be adding a liability product to your property solution, expanding your personal lines capabilities to offer a broader range of products to your agents, extending geographically, or adding a package or BOP to your workers compensation solution. We have the experienced staff and access to technology and business models to provide you with underwriting support to develop and market a variety of lines of products and programs, and strengthen your value proposition.

In addition, our underwriters stay up to date with emerging risks, major industry trends and events, and changing state and federal laws and regulations in order to assist you in making sound underwriting decisions that are vital to maintaining your overall profitability. We’ll help you find innovative ways to profitably capitalize on new business opportunities while not sacrificing underwriting discipline.