• All systems are full life cycle
  • Tremendous experience having worked at all levels in insurance
  • Experience of many insurance products
  • Interfacing to post code mapping, environmental risk, credit card, credit check, direct debit and other third party systems
  • Established very long term relationships

All of our systems are full life cycle (Quick Quote (Indication), Quote, Buy (Bind /Place on Cover ), Mid Term Adjustments, Cancellations and Renewals) plus all the required reporting (Bordereaux) at many levels

Typically, our systems are supplied/used by insurers/carriers to support networks of agents/brokers or to brokers/agents (MGAs) who have the ability to underwrite against a scheme or binding authority. We have also supplied systems that allow direct client purchase. All rating is carried out within our system and the referral process (underwriting/special rating) is transparent – The user is informed that a referral is required, the underwriter rates the referred risk in the same system and passes the modified risk back to the user.

However, the real trick is to rate the risk without underwriter input being needed and that is where a cleverly designed rating engine scores. Some of our clients only review issued policies at renewal and even then only if there is an exception (normally claims having arisen or a complex MTA having taken place). All documentation is automatically produced in pdf format.

We have tremendous experience having worked at all levels in insurance – Re-insurance/Insurance/MGA/Broker and client and having developed both underwriting and claims management systems. We also have experience of not just the UK but also the European and the very different USA market where products can be either surplus or admitted.

We have developed a system for one of our largest clients and it used for all UK and European retail sales from this insurer to their broker network (One of the largest in the UK – bigger than SSP.

Angel Risk Management, one of our clients has won Insurance Post’s Insurer of the Year award. Their entire system is based on our software in this case not just the front-end but everything in the back-office including accounting. They offer PI, D&O, Terrorism (which is hugely innovative and involves a lot of real-time GIS mapping), Sports and Leisure, Contingency plus they are adding some new lines. The Terrorism underwriting software is also used by Hiscox. We have worked with many insurers Catlin, Hiscox, AIG, AON, Allianz, Presidio (Now Partner Re) to name but a few

We have also developed for Pen Underwriting (Arthur J Gallagher ) their portal which is again a full life cycle Property Owners portal (used by other brokers) – they have provided their own design of the look and feel.

We have experience of many insurance products including Terrorism, PI, D&O, Sports and Leisure, Contingency, Cargo, Employment Practice Liability, Fine Art and Species, Short term Hire, Landlords and Tenants, Bond, Marine.

A rather simple direct to the public system is the Deputy Bonds Service we developed, a curious piece of insurance where the purchaser/client is sent to the insurer by the UK courts. This same system has another portal which is used by the UK courts to check the client purchased the required insurance.

We have huge experience in interfacing to post code mapping, environmental risk, credit card, credit check, direct debit and other third party systems – Including the US coast guard !

We establish very long term relationships with our clients many of which we have worked with for over 17 years part of this is because we offer very agile and highly customised development, allowing the client to grow their business and support it with the required underwriting changes – though underneath the covers we are using the same business flow, rating engine and document production engine.

We can advise that J C Designs have always been extremely professional and very reliable in all the varied tasks that they have performed for us for over 10 years and are very nice people to work with.

Underwriting Manager – Angel Risk Management Limited