The Ledgebrook Solution - driving value and scale by delivering market relevant product solutions in ways that exceed customer expectations

Ledgebrook’s vision and primary business premise within the E&S segment of the well-established insurance industry isn’t to “reinvent the wheel,” but to make that wheel spin much faster and more efficiently. The concept of speed, however, must be coupled with the requisite expertise and products that provide solutions for Ledgebrook’s customers and their ultimate clients’ needs. To that end, Ledgebrook’s products and their distribution within the wholesale E&S channel represent a marriage of the best of modern technology and underwriting expertise to deliver these solutions in a more frictionless manner. The technology employed enhances the expertise of Ledgebrook’s underwriting teams across multiple product offerings by leveraging data and analytics to deliver risk differentiated solutions in ways that exceed customer expectations. Ledgebrook’s processes are designed to elevate our distribution partners’ experience but won’t require them to do more or anything different than they’re already doing to reap these benefits.
As a tech-enabled MGA, Ledgebrook has partnered with industry leading hybrid fronting carriers and a panel of quality reinsurers to offer product solutions that will continue to expand. Ledgebrook’s underwriting teams are keenly focused on crafting solutions that will respond to evolving market dynamics impacting customer needs across a variety of industry segments and professional services. All with the mission to provide Ledgebrook’s wholesale trading partners with the fastest, easiest risk submission, quoting and policy binding/issuance experience.

As of May 2024, Ledgebrook has built two underwriting teams with E&S expertise focused on middle market risks and the lines of business to support the broad product offerings highlighted below:
• General Casualty:
o Primary General Liability - including liquor liability and other ancillary coverages written in conjunction with a Ledgebrook General Liability policy versus on a stand-alone basis
o Supported Excess Liability - coverage is only written over a Ledgebrook Primary General Liability policy and eligibility will vary by industry
• Professional Liability:
o Primary Miscellaneous Professional Liability - coverage is not available for more specialized financial or legal professional services
o Primary Allied Healthcare Professional Liability – including the availability of a proprietary form that covers both professional and general liability exposures - coverage is not available for true Medical Malpractice exposures related to individual Doctors, Physicians or groups of the same

o Excess Professional Liability written on either a supported or unsupported basis over an acceptable underlying carrier
• Coming soon - additional product offerings in development will be launched to both expand and complement the existing solutions noted above

Ledgebrook’s General Casualty underwriting team delivers the product solutions highlighted for risks across a variety of industries that respond to a wide range of exposures or operations noted below:
• Manufacturing & Distribution – from Abrasive Products to Wood Products
• Commercial Construction & Service Contractors – from Appliance & Accessory Installation, Service or Repair to Welders
• Commercial Real Estate Owners – from Banks to Warehouses
• Retail and Mercantile – from Antique Stores to Vending Machine Operators
• Residential Real Estate Owners – Apartments. Condominiums & Single-Family Rental Dwellings
• Hospitality – Hotels, Motels & Restaurants / Bars

Ledgebrook’s Professional Liability underwriting team delivers the product solutions highlighted for risks across a variety of professional services that respond to a wide range of exposures or disciplines noted below:
• Miscellaneous professional services – from Arborists to Zoologists
• Allied Healthcare professional services – from Audiologists to X-Ray Technicians
• Excess Capacity – supporting all professional services and disciplines eligible for primary consideration, plus Lawyers on an excess only basis

This is just the first act of the Ledgebrook Solution story. Stay tuned for future updates and announcements as Ledgebrook’s E&S product and line of business capabilities will continue to evolve. Ledgebrook places a focus and priority on recruiting high caliber underwriting talent to launch new products that will build product and expertise density to drive value and scale not only for itself, but also for its wholesale broker partners.

Ledgebrook is a tech-enabled Specialty E&S MGA looking to provide the fastest, easiest quoting experience to wholesale brokers while delivering best-in-class pricing and risk selection via their innovative next-gen tech stack. Led by insurance industry veterans, Ledgebrook offers the best of both worlds: deep insurance expertise empowered by the best of modern technology. Visit us at www.ledgebrook.com

Ledgebrook – Expertise & Speed for Your E&S Needs