Who we serve

Built for the people who carry the risk.

We work only in travel and medical insurance, and only with the organisations that underwrite, distribute, service and reinsure it. That focus means we understand your pressures before you explain them.

01 Insurers, Travel & Medical Loss-ratio pressure, medical inflation, fraud leakage and thin renewal margins, the four forces we help you push back against. How we help → 02 Assistance Providers & TPAs High claims volumes, provider networks to manage and cost containment to prove. We make the data carry its weight. How we help → 03 MGAs & Coverholders Capacity follows evidence. We give you the portfolio proof that keeps capacity providers confident. How we help → 04 Reinsurers Portfolio-level insight across cedents: benchmarking, experience analysis and the questions worth asking at renewal. How we help →

Where we typically start

The first question, by role.

Every engagement begins with one question and a fixed-scope diagnostic. These are the questions each role most often brings us first.

ROLE THE QUESTION THEY BRING TYPICAL ENTRY POINT

Insurers “Which channels and segments are quietly eroding our margin?” A channel or fraud diagnostic on 12–24 months of claims

Assistance & TPAs “Can we prove our cost containment to the carriers we serve?” Provider benchmarking across the network

MGAs & Coverholders “Will our capacity provider renew — and on what evidence?” A portfolio evidence pack ahead of renewal

Reinsurers “Which cedents deserve a closer look before we renew the treaty?” Cedent experience analysis and benchmarking

One discipline

Different roles, the same underlying question.

Whether you write the risk, service the claim, hold the pen on someone else's paper or reinsure the whole thing, the question is the same: what is the data actually telling us, and what should we do about it? We answer it the same way for everyone, with evidence you can defend.

Travel & medical only Europe & Middle East Since 2012