CrossCover will maintain a balanced portfolio by leveraging authorized CAT capacity to write E&S risks across the country to reduce volatility and lower carriers’ reinsurance costs. This will generate top-tier return on equity for our carrier partners.


CrossCover targets wholesale E&S business across the nation as an alternative to most MGUs who focus on CAT risks along the coasts. Our comprehensive field and underwriting experience allows us to select E&S accounts based on first-hand knowledge and a deeper understanding of the unique hazards. Coverage is provided through our Guardian policy, which provides fair yet strong terms and conditions. We seek clear and adequate coverage for those we insure and mutual long-term profitability, while avoiding uncertain or volatile risks and occupancy classes.

CrossCover achieves diversity of business and geographical spread through our broker partners by:

Limited broker appointments.


Appointing Individual Brokers (not companies or offices)

Based on: Occupancy-class specialists, Territory specific to achieve nationwide presence and Strong personal relationships.

Real-time Broker Management System

We Monitor: Submission and quote hit ratios, Territory, CAT vs. non-CAT accounts, Class of business – Target classes