Innovative Solutions

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Big Idea

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We are developing exciting new solutions to expand the boundaries of insurance. We are forming partnerships with organizations outside our industry in academia and government as well as with startup companies, manufacturers and non-profit organizations to find completely new growth opportunities for the insurance industry.

Our teams are currently focused on helping clients reduce losses from accidents using crash avoidance technology and telematics solutions. We are also exploring solutions for insurance on demand—a market that is growing exponentially.


Inland Flood Coverage Endorsement

The Inland Flood Coverage Endorsement is an affordable alternative for non-coastal homeowners looking to protect their homes and personal property. It can be purchased through participating insurance carriers and offered as an endorsement to the insured’s existing homeowners or dwelling fire policy.


Commercial Flood Coverage Endorsement

Munich Re, US has developed a commercial lines flood coverage product for insurance companies who want to help small-business owners manage their flood risk more economically. Like Inland Flood, it can be offered as an endorsement on an existing policy, and offers an NFIP alternative in areas where NFIP is optional.



Our Drone Liability Coverage Endorsement will be available to commercial business whose use of drones is not their primary source of revenue. It can be endorsed to general liability or business-owners policies, and protect against the unique exposures that come with this new technology.


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