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RiskMind appoints to Annex Risk through the Smart Choice network. Below: the areas of coverage they underwrite for our mid-market and enterprise clients, and how we use them inside a multi-carrier coverage.
A.M. Best is the financial-strength rating that determines whether a carrier can honor its obligations under stress. Most lender and counterparty contracts set their minimum at A- or better, and every carrier on our panel clears that bar.
Express Markets / E&S desk. Wholesale, surplus, and coverage-market appointments aggregated through the Smart Choice Express Markets unit. The markets standard carriers quietly refer out when an appetite fit isn't there.
We route to Annex Risk when an account is non-standard. Heavy operations, mixed loss history, novel exposures, or a class code the national writers won't quote. The wholesale path opens markets the retail panel can't reach directly.
Submission times match the complexity of the account. Wholesale market partners may add a layer of underwriting questions. The trade is access to markets and capacity that aren't available retail.
Claims often run through the wholesale partner's coverage manager. Your Risk Strategist coordinates the handoff and stays on the file to make sure the coverage's intended response actually shows up.
In market at 120 days, terms at 60, bound at 30. Select the month and those dates are yours, not a generic example. No email, no form.
Ninety days before it, you get one market read for your industry, from me. Nothing else happens without you.
ARIA reads your current coverage and shows which carriers, including Annex Risk, have appetite for your class.
In writing, within 48 hours, free. If the read shows your current program is right, I will tell you to stay put, in writing. You lose nothing either way.
Nothing binds until a licensed Risk Strategist signs the placement
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