Specialty Programs

Fortegra partners with MGAs to offer a wide range of speciality programs, plus additional solutions like warranties and premium financing.

Our Underwriting Lineup

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Property & Casualty
Underwriting Companies

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Life & Health
Underwriting Companies

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Premium Financing

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MGAs Experience More
with Fortegra

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Admitted capacity for
personal line programs

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Admitted capacity for
commercial line programs

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Risk participation
alongside reinsurance partners

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Warranty Solutions &
Premium Financing

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Marketing & Training
Tools

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Legal & Compliance
Support

Programs We Focus On

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Light Commercial

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Renters & FIre Legal
Liability

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Pet Health

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Travel

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Credit Property
& A&H

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Micro-Life

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Accident & Health

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Inland Marine

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Surety

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Property, Casualty, and Life
Admitted Insurance Carrier Across The U.S.*



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Programs We Avoid

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Workers' Comp

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Commercial Auto—
All Classes

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Heavy Catastrophic
Exposure

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Our Underwriting Approach

Program Experience

  • Fortegra takes a meaningful risk position to ensure alignment with program partners, including credible reinsurers
  • We grant MGA partners full authority to underwrite, quote, bind, issue, and service a program consistent with applicable regulations and program guidelines
  • We leverage relationships with experienced third party claims administrators, but also consider MGA claims operations
  • We deliver meaningful program management on behalf of our reinsurance partners

Underwriting Principles

  • Fortegra prefers Casualty Exposed Lines with low-limit profiles
  • We look for agent knowledge advantages, distribution with broad participation, and generally avoid per risk severity and catastrophic exposed lines
  • We prefer high frequency, low severity risk programs

Premium Financing Support

Our policy niche ranges from $500 to $5000 in premium, and our EZ Pay program allows for lower down payments, plus flexible rates & terms. Our 24/7/365 web-based quoting and online account verification provides a seamless IT solution with no manual intervention. It truly is one-stop shopping: financing for several policies, from multiple sources, in one agreement.

Our simple process:

  1. 1. Quote on MGA system
  2. 2. Web Servcie to Fortegra system
  3. 3. Finance agreement created
  4. 4. Retailer delivers agreement

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