You are underwriting behaviour
Governance, financials, disclosure and litigation history – not a building or a shipment – and it has to be read before it can be rated.
DIRECTORS & OFFICERS · TINUBU SKYE
One workbench for D&O, from submission to claim.
With Tinubu Skye, configure submission intake, rating, tower structures and claims-made terms around the risks you write.
WHAT MAKES D&O HARD
The wording is written today. It is read years later.
D&O is claims-made cover for management decisions and corporate conduct. What you agree now can decide a dispute long after the period has closed.
Your position depends on the tower
Primary, excess and Side A can sit across several insurers. Payments below your layer decide when your cover responds, so the whole tower has to stay visible.
Long tail, late notice
Claims arrive years after the period, on claims-made triggers, retro dates and prior acts. The file has to still make sense when nobody who wrote it is there.
One event can change the risk
A restatement, a securities suit, a leadership change or an acquisition can move the risk mid-cycle. Renewal is a fresh view, not a rollover.
WHAT YOUR TEAM CONTROLS
Change the product without waiting for a release
D&O 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
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Coverage sections and Side A, B and C structures
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Rating by sector, size, financials and litigation history
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Claims-made triggers, retro dates and prior-and-pending dates
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Attachment points, limits and shared-tower terms
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Appetite, referral and authority limits by sector and geography
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Quote, policy and endorsement templates
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Broker and insured portal fields
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Policy Builder
Product managers and underwriters define products from pre-configured templates, coverage options and endorsements.
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Rules and ratings engine
Pricing and underwriting rules by sector, size and attachment - with Excel rater support and versioning.
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Templates and open APIs
Reusable specialty templates and components to start from, with open APIs for integration with existing rating and data services.
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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 can support a D&O operation
Skye can be configured across the D&O lifecycle, on components already running across Tinubu's specialty portfolio.
Submission intake
AI extracts and structures data from submissions, financial statements and filings into one record.
Underwriting and quote
- Rate on sector, size and financials, with the tower and your referral rules in view.
Policy lifecycle
- Claims-made triggers, retro dates and versioned wordings, held for as long as they have to last.
Claims
- Notice, defence costs and reserves on one file, years after the policy was written.
Portfolio oversight
- Exposure by sector, attachment and limit, 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
Management liability in production
D&O runs inside a broader management liability book. A specialty carrier runs it on Tinubu alongside cyber, E&O and two general liability lines, with five lines on one platform and one delivery model. Recognition reflects Tinubu Skye's broader underwriting capabilities.