Know the insured and the obligor before you bind.
For underwriting, claims and compliance teams writing political risk, credit, surety and project business. We look at who owns, controls and gets paid behind the names on the policy.
Could an undisclosed relationship turn a sound underwriting decision into a claims or sanctions problem?
Screening confirms the insured is who it says it is. It rarely shows who controls it, or whose name will be on the claim.
Patterns we look for in insurance work.
A controlling shareholder two tiers above the insured is on a sanctions list.
The policyholder screens clean. The holding company that owns it does not.
The claim payee shares an owner with the insured.
A contractor, adjuster or repair firm on the claim traces back to the same people.
The obligor changes hands after binding.
The file still shows the structure from inception. The new owner has a history.
A local partner holds the permits and routes but is not on the contract.
Effective control of the project sits with someone the policy never names.
From submission to settlement.
Before binding
Ownership, control and political exposure of the insured, the obligor and the main project parties.
During the policy
Changes of ownership, new designations and litigation, checked on a schedule you set.
At claim
Who receives the money, who controls them, and how they connect to the insured.
When a red flag appears
A mapped, sourced account your legal and compliance teams can act on.
Sized to the risk and the deadline.
Start with one counterparty or a full portfolio. Every engagement is confidential.
- Pre-binding due diligenceONE INSURED OR OBLIGOR
- Project-integrity assessmentSPONSOR, CONTRACTORS, AGENTS
- Complex claims researchPAYEES AND RELATED PARTIES
- Portfolio counterparty reviewCEDANTS, BROKERS, COVERHOLDERS