“A Collaborative Underwriting Carrier”

offering a differentiated risk management architecture

  • Meaningful Risk Participation

    Emerald Bay is as an underwriting and risk management first organization and as such will retain a meaningful risk position on its programs. Retention is based on data driven diligence and program management.

  • Optimized Returns

    Focused on maximizing “Return on Allocated Surplus” by program and across the portfolio, to ensure optimized returns for all participants in the risk chain.

  • Data Driven Decisions

    Collaboration with both the MGA and reinsurers focusing on profitability and longevity of the partnerships through data driven analytics and risk management.

  • Holistic Risk Transfer

    Reinsurance purchasing based on risk mitigation across the portfolio, creating a more diversified approach to risk transfer, and maximizing cost efficiencies.

Turning Data into
Actionable Insights

Emerald Bay is an updated solution to solve the problems created in a fractured/dislocated market.
We are structured to ensure accountability throughout the life cycle of a risk, driven by integrity of data driven underwriting.

Collaborative, Tech
Enabled Underwriting

Our technical underwriting and portfolio management is supported by cutting edge technology.
We work in partnership with our MGA/PA and reinsurance capital partners to ensure long term sustainability.

Partnership: A Full
Alignment of Interests

Our approach requires that from producer to carrier to reinsurer all partners are invested in an aligned strategy.
Our laser focus is on capital protection so we are there for our insured when they most need us.