Our Underwriting Appetite

Why is an Underwriting Appetite important?

Collecting more in premiums than an insurer pays out in claims and expenses is the only way an insurer can continue to stay in business. To put it another way, the insurer (like any other business) must be profitable. The key to an insurer’s profitability is deciding which businesses to insure and this is referred to as its Underwriting Appetite.

FTA’s Underwriting Appetite is focused on minimising its portfolio’s exposure to catastrophic claims. FTA does this to ensure its profitability and its ability to continue to provide the most competitive premiums and broadest coverage for its chosen insureds.

FTA has the best and most profitable Lloyd’s capacity placed on a long term arrangement to ensure the greatest security.