Data-Empowered Underwriting
We offer E&S multi-line package policies for small commercial classes that feature custom market standard forms continuously improved to address industry loss drivers.
What Makes Us Different
Covenant captures hundreds of risk characteristics from multiple data providers and 5+ years of loss history for the markets we operate in. We continuously improve our product using claims data feedback, which drives changes to our Special form, data-driven risk selection, and pricing model.
Agile to a Changing Market
Loss Occurrence
Policy is applied to the loss by TPA, monitored by our claims team.
Policy Enhancements
Coverage, condition, or limit change reflected in next policy version.
File Review
Account is reviewed separately by underwriting, policy, and pricing teams.
System Refinement
Outliers are addressed with referrals. Trends are reflected in pricing changes.
