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Book composition

Portfolio

Northbridge Specialty · $50M treaty limit · updated 24 Aug 2026, 09:41

Export analysis

System statistics

Total premium written

Gross, year to date

$1.20M

+18.4%
24% of plan Plan $5.00M

Exposure

Aggregate insured value

$3.20M

+9.1%
32% of plan Plan $10.00M

Total commission

Payable to brokers

$200K

+12.6%
16% of plan Plan $1.25M

Submission pipeline and risk locations

Submission pipeline

Submitted through to bound, year to date

View all

Submitted

1,303

Quoted

739

Bound

501

Risk locations

Aggregate exposure by territory

$1.86B TIV
Lower Higher

Top: US $742M · UK $486M

Profession mix and broker performance

By profession

Bound against open pipeline

  • Bound
  • In pipeline

Broker performance

Top producing partners

View all
Org Submissions GWP Avg. commission
Aon 300 $400,000 $2,000
Gallagher 210 $340,050 $1,700
Marsh 102 $200,120 $1,600
Willis Towers Watson 90 $120,100 $1,400
Hub Intl 82 $100,300 $1,200
Brown & Brown 78 $400,000 $1,100
Lockton 64 $88,400 $980

Book composition by line of business

Book composition

Line of business Policies Written premium Exposure Loss ratio Trend
Property 412 $12.8M $742M 38.4% Improving
General liability 286 $7.4M $418M 46.1% Stable
Workers’ comp 204 $5.9M $298M 52.7% Worsening
Commercial auto 158 $3.6M $164M 61.2% Adverse
Cyber 94 $2.1M $96M 29.8% Improving
Marine 62 $1.4M $78M 41.5% Stable
Crop 38 $0.6M $41M 33.2% Improving
Professional lines 24 $0.3M $18M 48.9% Stable
Umbrella 6 $0.1M $5M 22.4% Improving

Showing 1–8 of 9

Accumulation control

Largest accumulation

$742M

Gulf wind · 74% of $1B limit

Zones over 80%

2

Of 9 monitored zones

Reinsurance ceded

$1.12B

60% of gross exposure

Net retained

$740M

Within $800M appetite

Exposure by catastrophe zone

Exposure by catastrophe zone

Gross aggregate against zone limit

Zone Peril Aggregate Limit Utilisation
Gulf Coast Named windstorm $742M $1.00B 74%
California Earthquake $486M $600M 81%
Florida Named windstorm $318M $500M 64%
Midwest Convective storm $194M $400M 49%
UK & Ireland Flood $86M $250M 34%

Portfolio triggers

Active

Zone limit breach

Refers any risk that would take a catastrophe zone above 80% of its limit.

Fired 14× this quarter

Active

Loss ratio drift

Flags a line of business whose rolling loss ratio passes 60%.

Fired this quarter

Active

Single risk TIV

Refers any single location with total insured value above $50M.

Fired 28× this quarter

Paused

Occupancy appetite

Blocks classes outside appetite, such as waste recycling and fireworks.

Fired this quarter

Active

Commission ceiling

Refers any quote where broker commission exceeds 22.5% of premium.

Fired this quarter

Active

Treaty utilisation

Alerts the portfolio team once bound premium passes 70% of the treaty.

Fired this quarter