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Data-Driven Underwriting

We offer E&S multi-line package policies for small commercial classes that feature custom super-peril forms continuously improved to address industry loss drivers. The policy includes 200+ defined coverages and sub-limits.

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What Makes Us Different

Covenant captures hundreds of risk characteristics from multiple data providers and 5+ years of loss history for the markets we operate in. We continuously improve our product using claims data feedback, which drives changes to our custom policy form, data-driven risk selection, and pricing model.

Agile to a Changing Market

Loss Occurrence

SuperPeril policy is applied to the loss by TPA, monitored by our claims team.

Policy Enhancements

Coverage, condition, or limit change reflected in next policy version.

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File Review

Account is reviewed separately by underwriting, policy, and pricing teams.

System Refinement

Outliers are addressed with referrals. Trends are reflected in pricing changes.

Interested in becoming a Covenant broker?

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