Experts see a burgeoning program business sector emerging as carriers get serious about the responsibilities that go with handing over their pens, and program administrators seek to fill yawning gaps in coverage. With last year's hurricanes producing record losses, there is no dearth of challenging risks to insure.
Program business advocates and players say they are set to fill some of that void, and the next several months will prove them right or wrong.
Of course, property-catastrophe risk is just one of the many unique challenges underwriters face. The specialized expertise that program business writers bring to the table responds not only to the needs of insureds but also those of insurers who would like more instant data to profit from unusual risks.
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