Heath is an independent underwriting business built for long-term partnerships.

Expanding access to institutional reinsurance capacity

We exist to bridge the gap between complex specialty risks and global reinsurance markets — operating as an AI-native MGA that delivers disciplined, intelligent underwriting creating long-term value for cedants, brokers, and capacity partners.

The leading AI-native MGA for complex specialty risk

To become the reference AI-native Managing General Agent for specialty reinsurance — where AI workflows, data-driven risk selection, and transparent governance define the new standard for institutional underwriting globally.

Heath was founded on a straightforward belief: that specialty reinsurance deserves the same rigor, transparency, and technological sophistication that institutional investors apply to other asset classes.

We underwrite across five specialty lines — Sabotage & Terrorism, Property, Financial Lines, Marine, and Aviation — applying a consistent framework of technical analysis, data discipline, and portfolio management to each segment.

Our AI-native MGA model is built around long-term capacity partnerships. We do not chase premium volume. We build portfolios that perform across market cycles, supported by AI workflows and governance structures that make our underwriting process auditable, scalable, and repeatable.

Automated Submission Engine

Incoming submissions are automatically ingested, classified, and routed through a structured AI workflow — reducing processing time and ensuring every risk receives a structured review.

Structured Risk Database

Every submission, decision, and commitment is stored in a relational database with full audit trail — enabling historical analysis, pattern recognition, and portfolio reporting.

Real-Time Portfolio Dashboard

Capacity partners and senior underwriters access a live dashboard showing commitment pipeline, geographic exposure, line-of-business mix, and decision velocity.

Secure Cedant Portal

Cedants and brokers submit risks, track status, and receive structured feedback through an authenticated digital portal — eliminating email-based back-and-forth.

AI-Native Risk Screening

The core of Heath's AI-native MGA model — AI workflows pre-screen every submission, score risk profile alignment, flag accumulation concerns, and generate structured underwriter briefs automatically.

Global Deployment Architecture

The platform is deployed on edge infrastructure with redundancy across regions — ensuring consistent performance for cedants and partners across time zones and geographies.

Technical Discipline

Every risk is evaluated on fundamentals — exposure, accumulation, pricing adequacy, and correlation — not market momentum or volume targets.

Transparent Governance

Our underwriting process is fully documented and auditable. Capacity partners see exactly how risks are selected, priced, and managed in portfolio.

Long-Term Alignment

We structure relationships — with cedants, brokers, and capacity providers — around multi-year performance, not transactional premium exchange.

AI-Native by Design

We are not adding AI to a legacy process — we are an AI-native MGA. Our AI workflows are the operating system: every submission, decision, and report flows through intelligent automation.

Underwriting Governance

• Defined authority matrix by line of business and limit size
• Mandatory peer review for risks above defined thresholds
• Quarterly portfolio review with capacity partners
• Full audit trail on every submission and decision
• Appetite statements reviewed and updated annually

Capacity Partner Framework

• Real-time dashboard access for authorized partners
• Monthly bordereau and exposure reports
• Defined premium flow and settlement protocols
• Joint portfolio committees for strategic alignment
• Transparent pricing rationale on all bound risks

Ready to explore partnership opportunities?

Whether you are a cedant seeking reinsurance capacity, a broker looking for a reliable technical underwriter, or an institutional investor exploring AI-native MGA partnerships — we would like to hear from you.