Insurance and reinsurance are broad industry segments, and someone with experience in one aspect is often only passingly familiar with the other.
SafeHarbor was born of the idea that consultants could fill knowledge gaps that existed in-house for insurers, reinsurers and producers, allowing companies to focus on revenue-producing activities instead of regulatory tasks.
SafeHarbor’s consultants have over 150 years of combined experience in nearly every aspect of insurance and reinsurance. Critically, we know the business rationales behind the regulatory requirements and provide true value-added assistance to help clients effectively and efficiently comply.

Selected Areas of Experience

Lines of Business

SafeHarbor can assist with Life/Health as well as Property/Casualty business. We have experience working in and for multi-line companies, as well as with specialty insurers. Selected specialty experience includes Corporate-Owned Life Insurance, pet insurance, marine and energy, mortgage and financial guarantee, workers compensation and crop.

Types of Companies

SafeHarbor has worked with on-going concerns, run-off companies, start-ups, Lloyd’s syndicates and LMR, off-shore captives, Bermuda specialty companies, and P&I and Hull clubs.
We have helped license individual and corporate producers for both admitted and surplus lines business. We have worked with large MGAs and sole proprietors.
We have clients in the USA (including territories), Canada, Europe and Asia and our clients have been every combination of admitted / non-admitted and domestic / foreign / alien.

Types of Activities

We have developed companies from scratch – writing business plans, creating financial projections, incorporating, licensing, developing and filing rates, forms and policy language, writing underwriting guidelines, recruiting personnel and implementing the business.
We have handled claims and produced guidelines for same (both direct and reinsurance; further, both ceded re and assumed). SafeHarbor’s experience covers both brownwater and blue water ocean marine claims, charter party disputes, OPA90 regulatory (including COFR) and oil pollution claims.
We have produced specifications for business systems, including policy management, claims handling, underwriting and management reporting.