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Insurance Term Lookup

Search our glossary of insurance and insurtech terms by keyword and category.

analyzerPublished 2026/06/07Last verified 2026/06/07

FAQs

What is the Insurance Term Lookup?
It is a searchable index of our complete insurance and insurtech glossary. You can filter by keyword and category and jump straight to any full definition.
How do I find a term if I do not know its name?
Search matches both the term and its definition, so describe what it does. Searching a phrase like 'first notice of loss' will surface the matching term even if you forget the exact label.
Can I filter by topic?
Yes. Use the category filter to narrow results to general, technical, business, or industry terms.
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What this tool does

The Insurance Term Lookup is a fast, searchable index of our full glossary of insurance and insurtech terms. Type a keyword to filter instantly, narrow by category, and click any result to read the complete definition with related terms and FAQs.

How to use it

  1. Type a keyword in the search box to filter terms by name or definition.
  2. Choose a category to focus on general, technical, business, or industry terms.
  3. Click any result to open its full glossary entry.

Use it whenever you hit an unfamiliar term in a policy, a carrier portal, or an insurtech demo. The full glossary keeps growing, so the lookup always reflects the latest set of terms.

Tips

Search matches both the term and its short definition, so you can find a concept even if you do not know its exact name. Try searching for what something does, like "first notice of loss" or "renewal cancellation," to surface the right term.

Insurance Term Lookup

Search 175 insurance and insurtech terms. Filter by category and click any result for the full definition.

175 terms found

  • ACORD Forms

    Standardized insurance industry forms (applications, certificates, etc.) maintained by ACORD, used across carriers and agents to capture and exchange risk in.

  • AI Claims Processing

    AI claims processing applies machine learning and automation to intake, triage, assess, and settle insurance claims faster and more consistently.

  • AI Model Audit

    A structured review of an AI or statistical model's design, training data, outputs, and deployment to verify accuracy, fairness, and regulatory compliance.

  • AI Model Governance

    The policies, procedures, and controls an insurer implements to ensure AI and ML models are accurate, fair, explainable, and regulatory-compliant.

  • AI Underwriting

    AI underwriting uses machine learning to score risk, extract submission data, and recommend pricing and accept/decline decisions to underwriters.

  • AMS vs CRM

    An AMS manages policies, carriers, and servicing; a CRM manages prospects, pipeline, and relationships. Many agencies need both, integrated.

  • API Economy Insurance

    The ecosystem of carrier, MGA, and vendor APIs enabling real-time exchange of quotes, policy data, and claims status across insurtech workflows.

  • Actuarial Indication

    The actuarially derived rate change percentage needed for a book to achieve target profitability, before regulatory and competitive adjustments.

  • Affinity Group

    A professional, trade, or membership organization offering insurance to members via an exclusive or preferred carrier relationship leveraging group size.

  • Agency Management System (AMS)

    The core software system an insurance agency runs on — managing policies, clients, documents, commissions, and workflows.

  • Agentic AI

    Agentic AI refers to AI systems that autonomously plan and execute multi-step tasks toward a goal

  • Agentic Underwriting

    Applying agentic AI to underwriting — autonomous systems that triage submissions, gather and enrich data, assess risk, and draft recommendations across multi.

  • Agreed Value

    A coverage option where insurer and insured agree at inception on the property's insured value, suspending the coinsurance clause for the policy period.

  • Algorithmic Bias

    Systematic unfair discrimination in AI or ML models disadvantaging protected classes—a critical compliance concern as insurers adopt predictive models.

  • Alien Insurer

    A non-US insurance company eligible to write surplus lines business in US states, typically through Lloyd's or similar international markets.

  • Allocated Loss Adjustment Expense

    Expenses directly attributable to a specific claim, such as attorney fees, independent adjuster fees, and expert witness costs.

  • Appointment (Carrier Appointment)

    The formal authorization from a carrier allowing an agent or agency to sell its products.

  • Audit Trail

    A chronological, tamper-evident record of actions and decisions in a system.

  • Bancassurance

    Distribution of insurance products through bank branches and relationships, leveraging the bank's customer base to sell life, annuity, or P&C products.

  • Binding Authority

    Delegated authority letting an agent, broker, or MGA commit a carrier to coverage without case-by-case approval, within agreed limits.

  • Blanket vs. Specific Coverage

    Blanket coverage applies one shared limit across all insured locations; specific coverage assigns a separate limit to each location or item.

  • Bridge Rating

    A comparative rater redirect that sends an agent to a carrier's own portal to complete a quote instead of returning a bindable result in-platform.

  • Bulk Reserving

    A reserving method applying statistical factors to groups of claims rather than setting individual case reserves, used for high-volume low-severity lines.

  • Bureau Rate

    A premium rate derived directly from advisory loss costs published by a rating bureau such as ISO or NCCI, without independent carrier modification.

  • Captive Agent

    A licensed insurance agent who works exclusively for one carrier, representing only that company's products under an employee or exclusive agent agreement.

  • Captive Insurance

    An insurance company wholly owned by the entity or group it insures, created to fund the owner's own risks rather than transfer them to a commercial carrier.

  • Carrier Appetite

    The set of risks a carrier wants to write — by line, industry, size, geography, and risk characteristics.

  • Case Reserving

    The process of establishing a specific dollar reserve for an individual open claim, representing the estimated total cost to resolve that claim.

  • Catastrophe (CAT) Modeling

    Using data and simulation to estimate potential losses from catastrophic events — hurricanes, wildfires, earthquakes — to inform pricing, risk selection, and.

  • Catastrophe Claims Response

    The organized deployment of adjusters, vendors, and triage protocols to manage a surge of claims following a natural disaster or large-scale loss event.

  • Claims Automation

    Claims automation uses software to handle repetitive claims tasks — intake, routing, data entry, and simple settlements — with little or no manual effort.

  • Claims Leakage

    Measurable overpayment on claims relative to the theoretically correct settlement, resulting from process failures, errors, or inadequate investigation.

  • Claims Severity Model

    A model predicting the ultimate cost of an individual claim, used to set reserves, prioritize handling, and flag high-exposure files.

  • Claims Triage

    The automated sorting of incoming claims by complexity, severity, or risk — routing simple claims to fast-track or straight-through processing and complex on.

  • Coinsurance Requirement

    A policy condition requiring coverage equal to a set percentage of replacement cost; under-insuring triggers a proportional penalty on partial loss recoveries.

  • Combined Ratio

    A carrier profitability metric: incurred losses plus expenses divided by earned premium. Below 100% means underwriting profit; above means a loss.

  • Comparative Rater

    A comparative rater is software that lets agents enter client data once and receive quotes from multiple carriers simultaneously, enabling side-by-side price

  • Computer Vision Claims

    AI-based image and video analysis that assesses property or vehicle damage, classifies loss severity, and estimates repair costs from photos.

  • Containment Rate

    In customer service AI, the percentage of inquiries fully resolved by the automated system without escalation to a human agent. A primary effectiveness metric.

  • Continuing Education (CE)

    Mandatory educational requirements for licensed insurance producers to complete approved credit hours each renewal period to maintain their license.

  • Conversational AI

    AI systems that interact through natural language — chat or voice — to answer questions, handle service requests, or guide users, increasingly used for insur.

  • Credibility Theory

    The actuarial framework setting how much weight an insured's own loss experience gets versus industry data when calculating experience-rated premiums.

  • Cycle Time

    The total elapsed time to complete a process — most often a claim from first notice to closure.

  • Data Breach Notification

    Legal requirements obligating organizations—including insurers and agencies—to notify individuals and regulators when personal data is compromised.

  • Data Enrichment

    Augmenting a record with additional data from external sources — to pre-fill submissions, validate information, or improve risk assessment — reducing manual.

  • Data Lineage

    Documentation of data's origin, transformations, and movement through systems, letting insurers trace model inputs to source for audit and review.

  • Delegated Authority

    The contractual underwriting, binding, and claims authority a carrier grants to an MGA or coverholder to write risks without prior carrier approval.

  • Direct Response

    Insurance sold directly to consumers via advertising, internet, mail, or phone—without agent intermediaries—enabling carriers to retain the full premium.

  • Document Extraction (IDP)

    Intelligent Document Processing (IDP) is AI that reads unstructured insurance documents

  • Embedded Insurance

    Insurance offered at the point of sale of another product or service — like coverage offered when buying a car or booking travel — integrated into a non-insu.

  • Endorsement

    A formal amendment to an insurance policy that changes its terms — adding, removing, or modifying coverage — during the policy period. Also called a rider.

  • Errors and Omissions (E&O) Insurance

    Professional liability insurance for agents and brokers covering claims alleging failure to obtain proper coverage, improper advice, or administrative errors.

  • Excess & Surplus (E&S) Lines

    E&S lines cover risks that the standard ('admitted') insurance market won't write

  • Expense Loading

    The component added to loss cost covering acquisition costs, general expenses, taxes, and profit margin to arrive at the final charged premium.

  • Experience Modifier

    A factor calculated from an insured's own loss history that adjusts workers compensation premium up or down from the manual rate — commonly called the e-mod.

  • Experience Rating

    A pricing method that adjusts manual premium up or down based on an insured's own historical loss experience relative to expected losses for their class.

  • Explainable AI (XAI)

    Explainable AI refers to AI systems whose decisions can be understood, articulated, and audited by humans

  • Exposure Rating

    A loss estimation method using exposure data and loss development factors when an insured lacks sufficient credible historical loss experience.

  • Facultative Reinsurance

    Reinsurance placed on an individual risk or policy, negotiated separately for each submission; the reinsurer may accept or decline each risk offered.

  • Fair Credit Reporting Act (FCRA)

    Federal law governing collection, accuracy, and use of consumer credit information—applicable to insurers using credit-based insurance scores in underwriting.

  • Feature Engineering

    Selecting, transforming, and constructing input variables from raw data to improve predictive accuracy of machine learning models in insurance.

  • File-and-Use

    A regulatory framework allowing insurers to use new rates or forms immediately upon filing, without waiting for approval—subject to later department review.

  • Filed Rate

    A premium rate submitted to and approved by (or acknowledged by) the state insurance department, constituting the legally required rate for that risk class.

  • First Notice of Loss (FNOL)

    FNOL is the initial report a policyholder makes to an insurer when a loss or accident occurs

  • Form Filing

    The submission of insurance policy forms—applications, policies, endorsements, certificates—to the state insurance department for approval before use.

  • Fraud Detection

    The use of AI and data analytics to identify suspicious or fraudulent insurance claims and applications, flagging anomalies for investigation before payout.

  • Fronting Carrier

    An admitted insurer that issues policies on behalf of a captive or program lacking admitted status, providing regulatory paper while retaining minimal risk.

  • GL Exposure Basis

    The exposure unit — payroll, gross sales, area, units, or admissions — against which the GL rate is applied to produce premium.

  • Generative AI in Insurance

    AI that produces new content — text, summaries, responses — from learned patterns.

  • Gradient Boosting Insurance

    An ensemble machine learning technique building sequential decision trees widely used in insurance pricing, fraud detection, and churn prediction.

  • Gramm-Leach-Bliley Act (GLBA)

    Federal law requiring financial institutions, including insurers, to protect consumer financial information privacy and disclose their data-sharing practices.

  • HITRUST

    HITRUST is a security certification framework focused on healthcare data protection. For insurance AI tools handling health information

  • Hallucination Control

    Techniques and safeguards that reduce how often large language models produce plausible-sounding but factually incorrect outputs in insurance use.

  • Hazard Analysis

    The systematic evaluation of physical, moral, and morale conditions that increase the probability or severity of a loss for a specific risk.

  • IBNR Reserve

    Incurred But Not Reported reserve: a liability estimate for losses that have occurred but have not yet been reported to the insurer.

  • ID&V (Identity & Verification)

    The process of confirming a customer's identity, often automated in insurance for FNOL, service authentication, and fraud prevention in customer interactions.

  • Indemnity Expense Ratio

    The ratio of claim indemnity payments to earned premium, measuring how much of each premium dollar is paid out as loss settlements.

  • Independent Adjuster

    A claims professional working as an independent contractor hired by insurers on a fee or per-claim basis to investigate, evaluate, and settle claims.

  • Independent Agent

    A licensed producer representing multiple carriers who places business based on client need and market fit, owning their book of business on commission.

  • Insurance Data Lake

    A centralized repository storing large volumes of raw structured and unstructured insurance data in native format for analytics, modeling, and reporting.

  • Insurance Fraud Statute

    State laws defining and criminalizing fraudulent acts in insurance—including application fraud, staged accidents, and agent premium misappropriation.

  • Insurance Score

    A credit-based score derived from consumer credit bureau data used in personal lines underwriting and rating to predict likelihood of filing a claim.

  • Intelligent Intake

    AI that automatically ingests, reads, and structures incoming submissions or documents at the point of entry — turning unstructured inputs into decision-read.

  • IoT Risk Data

    Sensor data from smart home, commercial property, or industrial devices used to monitor risk and enable loss prevention or dynamic pricing.

  • Leakage

    The difference between what a claim should have cost and what was actually paid — money lost to overpayment, errors, or inefficiency.

  • Litigation Management

    The carrier's structured process for controlling legal defense costs, outcomes, and strategies on claims that have entered the court system.

  • Lloyd's of London Market

    A specialist insurance and reinsurance market in London where syndicates write risk on behalf of capital providers—the world's leading specialty marketplace.

  • Loss Cost

    The expected claim cost per unit of exposure, excluding carrier expense and profit loadings — the foundation of property-casualty premium calculation.

  • Loss Cost Trend

    The annualized percentage change in loss costs over time, reflecting inflation, medical trends, and claim frequency shifts, used in ratemaking.

  • Loss Ratio

    The portion of premium paid out in claims: incurred losses divided by earned premium. A core measure of how a book of business is performing.

  • Loss Run

    A loss run is a report from an insurer detailing a policyholder's claims history over a period

  • MGA (Managing General Agent)

    An MGA is a specialized intermediary with delegated underwriting authority from carriers — it can underwrite, bind, and sometimes handle claims for specific.

  • MLOps Insurance

    Practices adapting machine learning operations to insurance: model versioning, deployment pipelines, monitoring, retraining, and regulatory documentation.

  • Managing General Underwriter (MGU)

    An entity with comprehensive delegated underwriting authority from carriers, including binding, policy issuance, premium collection, and often claims handling.

  • Market Conduct Examination

    A formal state insurance department examination reviewing an insurer's business practices—claims handling, underwriting, and producer oversight—for compliance.

  • Medical Case Management

    A coordinated approach to managing injured claimants' medical care to promote appropriate treatment, recovery, and return to work while controlling claim costs.

  • Minimum Earned Premium

    The floor premium an insurer retains on cancellation regardless of the pro-rata calculation — typically set at 25-30% of the annual premium.

  • Model Drift

    Degradation of a deployed model's predictive accuracy over time as input feature distributions or outcome relationships shift from the training environment.

  • Model Governance

    Policies, controls, and oversight processes managing the full lifecycle of predictive and AI models from development through retirement.

  • Model Risk Management

    A framework for identifying, measuring, and mitigating risks from quantitative models—including pricing models, fraud scores, and AI systems.

  • Moral Hazard

    The increased probability of loss that arises when an insured has an incentive to allow or cause a loss because they are protected by insurance.

  • Morale Hazard

    The increase in loss probability resulting from an insured's carelessness or indifference to loss prevention because they are covered by insurance.

  • Multi-Carrier Quoting

    Submitting one risk to multiple carriers at once and receiving comparative premiums — the core function of independent agency comparative raters.

  • NIPR

    The National Insurance Producer Registry — the system managing insurance license data across U.S.

  • NLP Submissions

    Applying natural language processing to extract structured risk data from unstructured insurance submissions, emails, and supplemental documents.

  • Non-Admitted Carrier

    An insurer not licensed in a given state but eligible on a surplus lines basis through licensed brokers, with fewer consumer protections than admitted carriers.

  • OCR vs IDP

    OCR converts document images into machine-readable text; IDP (Intelligent Document Processing) adds AI understanding on top to extract structured, contextual

  • Open Market Placement

    Insurance placement negotiated individually with underwriters on a risk-by-risk basis, distinct from program or binding facility—typical for complex risks.

  • Personal Lines vs Commercial Lines

    Personal lines insure individuals (auto, home); commercial lines insure businesses.

  • Policy Administration System (PAS)

    The core carrier software managing the policy lifecycle — issuance, endorsements, renewals, billing. The carrier-side counterpart to an agency's AMS.

  • Portfolio Steering

    Active management of an underwriting book to shift its composition toward more profitable risk segments and away from underperforming ones.

  • Predictive Underwriting

    Predictive underwriting uses machine learning on historical and external data to forecast a risk's likely loss outcome, helping underwriters price and select

  • Premium Financing

    Third-party financing where the carrier receives full premium at inception and the insured repays a finance company in monthly installments plus interest.

  • Premium Leakage

    Lost premium from mis-rating, under-disclosed exposure, system errors, or algorithm defects causing charged premiums to fall below actuarially indicated levels.

  • Pricing Adequacy

    The degree to which charged premium is sufficient to cover expected losses, expenses, and a reasonable profit margin over the policy period.

  • Prior Approval

    A state regulatory framework requiring insurers to obtain explicit department approval before implementing new rates or forms—the most restrictive approach.

  • Pro-Rata Cancellation

    Cancellation returning premium in exact proportion to the remaining policy period, with no penalty — standard when the carrier initiates cancellation.

  • Probable Maximum Loss

    The estimated maximum loss likely to occur from a single event given the normal functioning of protective features such as sprinklers and fire departments.

  • Producer Licensing

    The state-by-state system requiring insurance agents and brokers to obtain and maintain licenses to solicit or sell insurance for each line of authority.

  • Program Business

    Insurance written under delegated underwriting authority for a defined, homogeneous niche managed by an MGA or program administrator with specialized expertise.

  • Provisional vs Verified Scoring

    InsurAItools' transparency standard: provisional scores reflect initial assessment from public information; verified scores reflect hands-on testing or vendo.

  • Public Adjuster

    A licensed claims professional retained by and exclusively representing the policyholder's interests in negotiating a property or casualty claim settlement.

  • Purchasing Group

    An LRRA entity allowing members with similar liability exposures to purchase insurance collectively, leveraging group size for favorable carrier terms.

  • Quota Share

    A proportional reinsurance treaty where cedent and reinsurer share premium and losses at a fixed percentage, transferring a set portion of every policy.

  • Quote-to-Bind Rate

    The percentage of issued quotes that result in a bound policy — a key conversion metric for agents, carriers, and digital distribution platforms.

  • RPA (Robotic Process Automation)

    Software 'bots' that automate repetitive, rules-based digital tasks — data entry, form filling, system updates — across insurance back-office operations.

  • Rate Adequacy

    The degree to which current charged rates are sufficient to cover expected losses, expenses, and profit margin over the policy period.

  • Rate Filing

    The formal submission of insurance premium rates, rating factors, and actuarial documentation to the state insurance department before charging those rates.

  • Rate Indication

    A preliminary estimate of insurance cost produced before full underwriting data is collected, used to qualify prospects and set pricing expectations.

  • Ratemaking

    The actuarial process of determining insurance prices (rates) based on expected losses, expenses, and profit.

  • Rating Bureau

    An organization such as ISO, NCCI, or AAIS that collects industry loss data and develops advisory loss costs and policy forms used by member insurers.

  • Rating Factor

    A variable statistically correlated with losses used to differentiate premium by risk class — age, territory, credit score, construction type, among others.

  • Real-Time Rating

    API-based rating that returns bindable quotes from carrier systems within seconds without redirecting the agent to a separate carrier portal.

  • Real-Time Scoring

    Running a predictive model instantly at a transaction point (quote, bind, FNOL), returning a risk score or decision within milliseconds.

  • Record Retention

    Regulatory and legal requirements specifying how long insurers and agents must retain insurance records—policies, claims files, and communications.

  • Reinsurance Intermediary

    A broker or manager arranging reinsurance placements between cedents and reinsurers, earning commission on placed premium for treaty and facultative deals.

  • Reserves

    Money an insurer sets aside to pay the estimated future cost of a claim.

  • Retrieval-Augmented Generation

    An AI architecture grounding an LLM's responses by retrieving relevant documents or policy text from a knowledge base before generating an answer.

  • Risk Appetite Statement

    A formal document articulating the types, volumes, and characteristics of risk a carrier or MGA is willing to write, used to guide underwriting decisions.

  • Risk Retention Group (RRG)

    A group-owned captive under the federal Liability Risk Retention Act allowing members with similar liability risks to self-insure across all US states.

  • Risk Scoring

    The use of data and models to assign a numeric score representing a risk's likelihood or severity of loss, used to automate triage, pricing, and underwriting.

  • SIU Referral

    The process of routing a suspicious claim to the Special Investigations Unit for investigation of potential fraud before settlement.

  • SOC 2

    SOC 2 is a widely-recognized security and data-handling audit standard

  • Salvage Recovery

    The process by which an insurer recovers value from damaged property it paid for in a total loss, typically by selling the salvaged asset.

  • Scheduled Rating

    Manual credits or debits applied by an underwriter to a base premium to reflect risk characteristics not captured by the standard rating algorithm.

  • Short-Rate Cancellation

    Insured-initiated cancellation where the return premium is calculated at a penalized rate, retaining more than the earned pro-rata share.

  • Split Rating

    Application of different rates to separate portions of a single exposure — for example, different payroll classes within a workers compensation policy.

  • Staff Adjuster

    An insurance carrier or TPA employee who handles claims internally as part of the company's permanent claims department.

  • State Insurance Department

    The state regulatory body with primary authority over insurance regulation—licensing insurers, reviewing rates and forms, and enforcing insurance laws.

  • Straight-Through Processing (STP)

    STP is the automated handling of a transaction

  • Submission

    The package an agent or broker sends carriers to request a quote on a commercial risk — applications, loss runs, and supporting documents.

  • Subrogation

    The insurer's right to recover claim payments from a third party responsible for the loss.

  • Suitability

    The regulatory requirement that insurance products recommended to clients are appropriate for their financial situation, coverage needs, and risk tolerance.

  • Surplus Lines Compliance

    Regulatory requirements governing non-admitted insurance placement—diligent search documentation, stamping office filings, disclosure, and tax remittance.

  • Surplus Lines Tax

    A state-imposed tax on premiums written through non-admitted carriers, collected by the surplus lines broker and remitted to the state—typically 2%–6%.

  • Synthetic Data Insurance

    Artificially generated data that replicates real insurance data distributions, used to train models when real data is scarce or privacy-restricted.

  • TCPA Compliance

    Adherence to the Telephone Consumer Protection Act, which restricts automated calls and texts.

  • TPA (Third-Party Administrator)

    A company that handles claims processing and administration on behalf of insurers or self-insured employers, without bearing the insurance risk itself.

  • Telematics Data

    Driving behavior data from in-vehicle devices or apps (speed, braking, mileage) used to price auto insurance based on actual usage and risk.

  • Telematics Rating

    Usage-based auto insurance rating that uses telematics data from mobile devices or OBD-II dongles to score driving behavior and adjust premiums.

  • Territory Rating

    Geographic premium differentials reflecting local variations in loss frequency and severity — typically coded by state, county, zip code, or fire district.

  • Total Cost of Ownership (TCO)

    The full cost of adopting a tool beyond its sticker price — including implementation, training, integration, and ongoing maintenance.

  • Transfer Learning Insurance

    A technique applying a model pre-trained on general data to an insurance task with limited labeled data, cutting training time and data needs.

  • Treaty Reinsurance

    A reinsurance arrangement covering an entire portfolio of risks automatically under agreed terms, without submission of individual risks for acceptance.

  • Umbrella Rating

    The pricing methodology for umbrella and excess liability policies, which cover losses above primary limits and must coordinate with underlying coverages.

  • Unallocated Loss Adjustment Expense

    Overhead claims handling costs not attributable to a specific claim, such as staff adjuster salaries, office overhead, and claims system costs.

  • Underwriting Authority Level

    The maximum limit of coverage, premium volume, or risk characteristics that an underwriter or agent is authorized to bind without senior approval.

  • Underwriting Profit

    The profit generated from insurance operations alone, calculated as earned premium minus incurred losses and expenses, before investment income.

  • Use-and-File

    A regulatory framework allowing insurers to implement new rates or forms before filing them, with retroactive filing required within a specified period.

  • Vector Embeddings

    Numerical representations of text or data in high-dimensional space, enabling semantic similarity search across insurance documents and claims.

  • Vehicle Symbol

    A code used in personal and commercial auto rating to categorize a vehicle's physical damage risk based on make, model, year, and value.

  • What Is Underwriting

    Underwriting is how an insurer evaluates a risk, decides whether to cover it, and sets the price and terms of the policy.

  • Wholesale Broker

    An intermediary between retail agents and carriers, specializing in hard-to-place or specialty risks — particularly E&S — that retail agents can't place dire.

  • Wholesale Insurance Distribution

    The channel where surplus lines brokers act as intermediaries between retail agents and specialty or non-admitted markets retail agents cannot directly access.

  • Workers' Compensation

    Insurance covering employee injuries and illnesses arising from work.