Innovation Risk is the leader in proprietary insurance underwriting

Underwriting innovation through proprietary technology and methods.
Insurance underwriting and distribution platform.
Expansive open brokerage distribution capability.
Large underwriting capacity.
Entrepreneurial spirit.

The proof is in our success

Creating real competitive
advantages

For over 30 years we have propelled advances in insurance underwriting through original thinking. With a deep and disciplined understanding of a coverage and its marketplace, we have built the intellectual capital to fully engage in scientific and technological R&D and then leverage the full spectrum of data analysis to create descriptive, diagnostic, predictive, and prescriptive analytics.

Our goal is to create marketplace differentiation and competitive advantages, and we trust in our ability to find opportunities, take risks, and implement new, profitable approaches and innovations. We attract and retain dedicated like-minded professionals who share our vision of success built upon free enterprise and entrepreneurialism.

The result is an insurance organization that stands alone in its own class, an extreme outlier in performance.

The proof is in our success

Bridging divergent
complexities

It starts with an idea. Then the expertise to draw out meaningful and useful insights out of the complexity of market intelligence, scientific research, technological development, and data analysis. Last, bridging the incoherent complexities of actuarial conventions, distribution demands, and regulatory realities.

The perspectives are perpendicular: few who speak tech also speak insurance, and rarely do the two come together in a productive way. We understand how to cultivate novel methods, and we have a proven operational track record of success. We have an instinct for what really matters economically and what can go the distance to implementation.

Our practice leaders are at the top of their fields technically, but just as exceptional is how they view the world: nothing energizes them more than a unique opportunity, a contrarian opportunity, or a possibility others don’t perceive.

We bring exceptional underwriting talent into our culture of shared entrepreneurial spirit and professionalism—to unleash their potential, to solve real problems, and to realize success that can’t be attained anywhere else.

The proof is in our success

Maximizing value

There are three requirements to bring proprietary insurance methodologies rapidly to the market while maximizing enterprise value: the right corporate environment, a flexible corporate structure, and the resources to distribute innovative products.

We provide a supportive, controlled environment for growth and delicate R&D ideation—practical resources that may be difficult for a new underwriting initiative to obtain within the traditional insurance organization. This takes a strategy framed upon a patient outlook and patient capital. We are a private company with the clarity of self-defined purpose, and we are proud of the long continuity of our guiding principles and leadership. Our philosophy is to let our partners autonomously lead their diverse fields of specialty, all within a greater organization bound together by loyalty to a common ethos.

In addition to traditional high-quality operational resources, Innovation Risk has access to affiliated insurance and reinsurance capacity, a vast open brokerage network, as well as exceptional resources in the most difficult, critical areas, including Brand Communications, Government Affairs, Public Relations, Investigations, Cyber Security, and Software Development. Innovation Risk is independently owned and operated by its practice partners and is affiliated with Applied Underwriters through strategic partnerships and through its common and powerful brand identity.

The proof is in our success

Confidence to innovate

The materials of our tradecraft are ideas which we endeavor to form into something valuable. While most of the industry hides in the safety of conventional procedures and routine work, we relentlessly search the world for original thinking.

Creativity, imagination, and invention are in our organizational DNA. Yet, our ingenuity is surpassed only by the independent entrepreneurial spirit of our partners and managers. By uniting real expertise, resources, and capacity together with an ethic that values talent, commitment, and innovation, we strive to be the best by making you the best.

Is Innovation Risk
right for you?

We do business in a changing world, and our story is just unfolding. Our shared beliefs in entrepreneurialism, the value of wealth creation, hard work, creativity, and independent leadership define us and define our bright future.

Be a part of our story and see where it can take your exceptional talent and ambitious dreams.
Contact Us