North America Programs
A trusted partner providing growth, rigorous underwriting, and financial strength across North American markets and technology-driven insurance programs.
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North America Programs: Empowering MGSs and digital innovators
Munich Re Specialty – North America, Programs drives profitable growth through rigorous underwriting and portfolio steering across North American markets. Our Insurtech Programs unit extends this approach to Insurtech startups, providing strategic capacity and expertise to technology-driven insurance platforms. We empower both traditional MGAs and digital innovators with Munich Re’s global financial strength and deep insurance knowledge.
The expertise to deliver more
We leverage a deep industry knowledge to build a wide range of products, providing partner MGAs and insurtechs with insights that go beyond traditional underwriting. One example is the steps we take to ensure risk mitigation and smart decisions around climate-based and natural disasters.
Financial strength is our cornerstone
With a robust balance sheet and reputation of Munich Re, and minimal reliance on third-party capital, we offer our partners a dependable provider who can weather market fluctuations and deliver consistent, long-term capacity across North American markets.
A commitment to partnership
We don’t just provide insurance; we collaborate closely with leading MGAs, program administrators, and startups, starting conversations with an approach that is both flexible and creative. We’re committed to understanding their unique business needs, empowering their growth, and treating each relationship as a strategic alliance. This level of exceptional service is part of what makes us different.
Dedicated teams serving US and Canadian markets as well as insurtechs
US Programs
Capabilities
Our US Programs business provides a broad perspective with insights drawn from over 25 years of experience, multiple programs, a strong balance sheet, and resources from one of the largest (re)insurance companies in the world.
Relationships with our partners are built on flexibility, with our unbundled model giving program administrators significant influence over key decisions, including claims handling, rating systems, platform choice, and more. We have the experience, expertise, and capabilities to build insurance programs in traditional areas like property, as well as newly emerging exposures and risks. Our focus is on writing in underserved niches or with partners who have outstanding expertise in a certain class or segment.
Our distribution team offers simplified access to Munich Re’s expertise, so each risk is connected to the right underwriter to maximize our solution offerings.
We deploy capacity in the admitted and non-admitted market, as well as reinsurance capabilities.
Examples of our current programs
Builders risk
Community associations
Contractors
Earthquake DIC business
Franchised auto dealers
Multi-class unsupported excess and umbrella
Municipalities with a population of 75,000 or less, including special purpose entities
Private company D&O
Sawmills, lumberyards, wood manufacturing
Schools
Self-storage facilities
Social services agencies
Transactional risk
Native American tribes
Wind-exposed commercial property
Services provided to all our programs
- Actuarial
- Captive reinsurance
- Catastrophe risk management
- Claims handling and services
- Policy management
- Product development
- Research and analysis
- Risk control oversight
- Underwriting operations
Why choose Munich Re Specialty?
Proven stability and reliability
Over 25 years of industry-leading experience in the programs insurance business.
Comprehensive coverage
A single source of coverage with unique risk and program expertise, simplifying the commercial insurance process for customers and brokers.
Innovative problem solving
Creative solutions that adapt to changing and emerging risks and evolving needs.
Broad risk appetite
Coverage for traditional and emerging programs in the specialty commercial space, including catastrophic activity, property, auto, and inland marine.
Exceptional expertise
Long-term experience within our division and access to the vast resources of the wider Munich Re Group.
Unique products and superior service
Expert underwriting, extensive industry knowledge, and fast, responsive service.
Contact our experts
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