High volume, low hit ratio
Wholesale brokers shop the same risk to several markets at once. Underwriters read far more than they bind, so triage speed decides how much capacity is left for the business worth writing.
EXCESS & SURPLUS · TINUBU SKYE
E&S underwriting in one workbench, from submission to bind.
With Tinubu Skye, configure submission intake, underwriting, pricing and policy workflows around the classes and markets you write - and change terms as the market moves.
WHAT MAKES E&S HARD
Freedom of rate and form is the advantage. It is also the workload.
E&S exists because the risk does not fit a filed product. That freedom is why the business is won, and why much of it cannot be forced into a standard product.
Standard forms rarely hold the whole risk
Bespoke wordings, different attachment points and limits, risk-specific endorsements. Held in a standard product record, the detail ends up in documents and email rather than the record.
Compliance follows every placement
Taxes, filings and stamping vary by state and jurisdiction, and the obligation sits with the licensed surplus lines broker. Everyone in the chain needs the policy and transaction data to stay clean.
The first credible quote often wins
Brokers place with whomever comes back first with terms they can sell. In E&S a slow response is not a service issue – it is lost premium on a risk someone else wrote.
WHAT YOUR TEAM CONTROLS
Change the product without waiting for a release
E&S 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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Manuscript wordings, endorsements and exclusions
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Layered and excess structures, attachment points and limits
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Rating factors and minimum premiums by class
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Appetite and declination rules by class, geography and occupancy
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Referral thresholds and authority limits by underwriter and channel
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Quote, binder and policy document templates
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Broker submission forms and portal fields
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Policy Builder
Design and deploy tailored underwriting models with layered pricing, coverage limits and specific policy terms.
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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.
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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 an E&S operation
Skye capabilities can be configured across five stages, using components already operating across Tinubu's specialty portfolio.
Submission intake
AI reads the submission and its attachments, so triage starts with a structured record, not a PDF.
Underwriting and quote
- Rate by class, build the layers, and apply your referral and authority limits.
Policy lifecycle
- Bespoke wordings and endorsements, with versioning so bound risks keep their terms.
Claims
- Notice, triage and routing on the same record as the policy.
Distribution
- Wholesale brokers, MGAs and channels, with appetite, authority and commission rules.
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.
THE PLATFORM
The platform behind 25 specialty lines
E&S capabilities are configured on Tinubu Skye - the same governed platform, delivery model and integrations already operating across the specialty portfolio.
18
enterprise customers in production
25+
production deployments
25+
lines of business