1Cyber extortion pays $500K of a $5M limitCritical
Dec reads $5M aggregate; Item 5(c) caps extortion and ransom at $500K.
Cyber Dec. Item 5(c) · p.20NSC 1100 §I.D · p.6Cyber · Northstar Specialty
Pursuits are decided before the meeting.
Your seat on the account yearWinProtectServeDefendProve
Producers on complex accounts tell us the same two things: the pursuit goes to whoever shows up knowing the prospect’s program better — and they can’t get specialty-desk time to do that prep. Qumis is the specialist bench, on demand.
Bring the account you’re hunting — the fresh look, run live.
The fresh look — the incumbent program, torn down and cited before the first meeting
Representative screen · specimen pursuitReportsPursuitsCorvid Logistics — incumbent program review
Export
Build the pursuit deck
Corvid Logistics
ProspectCold-chain 3PL · 4 distribution centers · 212 power units
Incumbent: Harborline Risk Advisors
Renews 1/1/2027 · 98 days
9 policies · 1,142 pp read
Qumis Private Compute
FindingsRanked by severity2 critical2 high1 medium1 low
2Umbrella pollution exception has nothing under itCritical
§VII.F covers pollution only over scheduled underlying; none is scheduled.
Umbrella §VII.F · p.18Sched. of Underlying · p.4Ammonia refrigeration · 4 DCs
3Brightwater MSA §9.2 unmet: completed-ops AIHigh
MSA wants ongoing and completed-ops AI; CG 20 10 04 13 is ongoing only.
MSA §9.2 · p.7CG 20 10 · p.31GL · Keystone Mutual
4Spoilage from refrigeration breakdown excludedHigh
Change-in-temperature loss is excluded; no breakdown buyback is endorsed.
WLL form §B.3.c · p.9Endt. schedule · p.2Warehouse legal · Summit National
5MSA indemnity outruns the insured contractMedium
§8.1 indemnifies Brightwater's own negligence; CG 24 26 won't follow it.
MSA §8.1 · p.6CG 24 26 · p.34GL · Keystone Mutual
6Cyber renews 3/15, off the 1/1 programLow
Separate BOR and marketing ten weeks after 1/1; plan the cyber win now.
Cyber Dec. Item 2 · p.1GL Dec. · p.1Cyber · Northstar Specialty
6 findings · every one cited to the pageHarborline program · 1/1/2026–27
The book no longer grows on rate. It grows on pursuits.
Grow a book the market no longer grows for you.
Soft-market rates shrink the book on renewal premium; new wins are the path to the number — and every competitor’s producers are running fresh looks on your clients this season.
Move upmarket into risk-managed accounts.
Take Fortune-1000-adjacent business from the nationals without a national’s specialty bench behind you — the specialist read, on demand, for every pursuit.
Walk in with evidence instead of claims.
Second-opinion selling is trained doctrine industry-wide. The difference is showing up with the incumbent program’s gaps cited to the page — in a microsite that looks like a national built it.
The incumbent program, torn down before the first meeting.
Three of the six use cases, in a producer’s hands — prepared in hours, cited to the clause, in your brand.
01
Program Structure & Design — on offense
The incumbent-program teardown: gaps cited to the clause, before the meeting. The strongest second-opinion motion there is.
See the use case 02Proposals, RFPs & Microsites
The proposal and microsite that look like a national built them — in your brand, carrying the analysis.
See the use case 03Stewardship Reports & EBRs
Pursuit proof: the record your clients get every quarter. And when you win the account, the record starts on day one.
See the use caseFor risk-managed placements, the market-facing half — Complex Submission Preparation, the submission that argues for terms — is in use with early design partners, including a top-10 brokerage. Ask about joining them.
64% of surveyed users credit Qumis with a client won, kept, or grown.
Survey of 109 Qumis users, self-reported
Underneath the six is Coverage Intelligence — the system of judgment Qumis is building for commercial insurance, where every reviewed decision makes the next one better.