Case study · / 03

Trucking & Logging · E&S Placement.

Moving commercial trucking and logging risk from intake to bind through Swamp Fox's E&S channels, with Lloyd's syndicate access.

E&S Market Lloyd's London FMCSA Analysis Loss Profiling

The work

At Swamp Fox Agency I move commercial trucking and logging accounts from intake to bind through excess & surplus channels, with access to Lloyd's syndicates. These are hard risks — the standard market won't touch them — so every account has to be built into something a market will actually write.

The approach

The job starts with the file: building the submission, reading FMCSA and CAB safety records, and profiling the loss history honestly. Then it's pricing discipline — working the account until the price reflects the risk and the risk is one the market can take. No shortcuts; underwriters at Lloyd's have seen every trick.

What it taught me

Risk work is detail work. The difference between a bound account and a declined one is usually buried in the third page of a safety report. That habit — reading the whole file, pricing what's actually there — is the same habit I bring to building software.