Exposure accumulates across the book
Location, construction, occupancy, protection and values arrive in whatever format the broker sent, and they keep moving through the term.
COMMERCIAL PROPERTY · TINUBU SKYE
One workbench for commercial property, from schedule to claim.
With Tinubu Skye, configure schedule intake, rating, referral rules and accumulation limits around the property book you write.
WHAT MAKES COMMERCIAL PROPERTY HARD
You underwrite one location at a time. The exposure adds up across all of them.
Property starts with the detail of each location. The risk only makes sense across the whole book, so schedules, values and catastrophe exposure have to stay connected.
The schedule is the risk
Flood, wind and quake concentrate geographically, often across policies and programmes. That view is only useful before you bind.
Structures vary with the risk
Deductibles, limits, sublimits, layers and valuation bases differ by account and by territory. One product shape does not hold them all.
The book never stands still
Locations, values and sums insured change through the term. Renewal needs the current view of the risk and of the accumulation behind it.
WHAT YOUR TEAM CONTROLS
Change the product without waiting for a release
Property underwriters and product managers define the products, rules and workflows they need. Skye configures them in the same governed environment in which the application runs, with Tinubu experts validating every deployment before production.
What you change
-
Products, coverage sections and optional extensions
-
Rating by location, construction, occupancy and protection
-
Schedule structures and the location data you require
-
Appetite by location, construction and occupancy
-
Referral triggers and authority limits
-
Quote, policy and schedule documents
-
Broker and partner portal fields
-
Policy Builder
Product managers and underwriters define products from pre-configured templates, coverage options and endorsements.
-
Rules and ratings engine
Pricing models and underwriting rules for complex, multi-layered coverage - with Excel rater support, versioning, and pricing available by API or UI.
-
Templates and open APIs
Reusable specialty templates and components to start from, with open APIs for integration with existing rating and data services.
-
One platform from configuration to production
Configured in the same governed platform it runs in - validated before promotion, with no second codebase to maintain.
PLATFORM SCOPE
Where Skye fits in commercial property operation
Skye can be configured across five stages, using components already operating across Tinubu's specialty portfolio.
Schedule intake
AI extracts and structures locations, values, occupancy and construction from schedules and proposal forms.
Underwriting and quote
- Rated by location, construction and occupancy, with referral where your rules require it.
Policy lifecycle
- Mid-term changes to locations, values and sums insured, with versioned terms.
Claims
- Notification, triage and routing, with the schedule and cover already on file.
Portfolio oversight
- Accumulation by geography, peril and occupancy, and how much capacity is left.
PROVEN DELIVERY
A structured path from workshop to hypercare
The governed delivery model behind every Tinubu deployment - definition, configuration, rollout and post-launch support.
Scope the programme
INITIALIZE
Tinubu platform and delivery specialists scope products, distribution, policy lifecycle and claims.
Iterate with live demos
CONFIGURE
Agile sprints with a working demo every two weeks, so products and rules take shape in front of your team.
Deploy around your calendar
DEPLOY & TRAIN
Prioritised rollout aligned to your renewal and operational cycles, with training for underwriters, operations and claims.
Stay embedded after go-live
HYPERCARE
A named customer success team stays embedded until your team is fully autonomous.
IN PRODUCTION
Commercial property in production
A carrier writes SME commercial property on Tinubu today, alongside its employers' liability book - same platform, same delivery model.
18
enterprise customers in production
25+
production deployments
25+
lines of business