Underwriting built on live data, not last year's renewal file.
Ledger & Lyle prices specialty and excess risk with proprietary models that ingest claims, climate, and market signal in real time. Brokers get quotes in days. Buyers get pricing they can actually audit.
$0.0B
Bound premium, 2025
0 min
Avg. indicative quote
0+
Broker partners
Portfolio Loss Ratio
36.4%
Combined Ratio
88.2
Model Confidence
94.1%
How the model works
Four systems, one live risk picture.
Most specialty carriers still underwrite off a PDF loss run and a gut check. We built the pipeline we wished existed when we were brokers ourselves — one that treats risk as a moving target, because it is one.
Exposure Network — Live Submission
A single cyber E&O submission traced through broker, reinsurance treaty, and capacity layers in real time.
Peril Volatility Index — Rolling 12mo
Cyber
peril index
Casualty
peril index
Environmental
peril index
01 — Ingest
Signal ingestion, continuous
Claims triangles, satellite climate feeds, dark-web exposure scans, and carrier loss runs stream into the model every six hours. No annual refresh, no stale exposure data.
02 — Score
Peril-specific risk scoring
Each submission is scored across 40+ peril vectors by line of business, then weighted against our reserve triangle and reinsurance treaty structure in real time.
03 — Price
Transparent, auditable pricing
Brokers see the rating factors that drove the number, not a black box. Every quote ships with a factor breakdown your buyer's risk manager can actually defend upstream.
04 — Monitor
Live portfolio surveillance
Bound risks stay on the model. Emerging loss signal triggers underwriter review automatically, well before renewal, not after a bad quarter.
Lines of business
Four specialty lines. One underwriting engine.
We don't chase every line to grow premium. We went deep on four where our data edge actually moves the loss ratio.
Cyber & Tech E&O
Ransomware, business interruption, and tech E&O for companies with 50-5,000 employees. Pricing weighted on live threat-intel feed, not a static questionnaire.
Excess Casualty
Umbrella and excess layers above primary GL, auto, and employers liability. Built for construction, transportation, and hospitality risk.
Environmental Liability
Pollution legal liability and contractor's pollution for industrial, environmental services, and real estate portfolios.
Parametric Weather
Named-storm and precipitation-index triggers for agriculture, energy, and event risk. Claims pay on index breach, not adjuster visit.
Built for brokers, trusted by risk managers
The capacity partner underwriters actually want on the slip.
We built Ledger & Lyle so brokers stop re-explaining their book every renewal. Bind once, and our model keeps learning your client's risk profile without a new questionnaire.
0 min
Median indicative quote turnaround
0.0%
Model confidence, bound risks
0+
Active broker partnerships
$0.0B
Premium in force
Placed alongside
Live Submission Feed
LIVECyber & Tech E&O
Coastline Brokerage Group · 2 min ago
Excess Casualty
Kestrel Specialty · 18 min ago
Environmental Liability
Harborview Risk Partners · 41 min ago
Parametric Weather
Meridian Risk Advisors · 1 hr ago
Anonymized, aggregated submission activity across active broker relationships.
Ready when your submission is
Submit a risk. Get a model-backed quote in minutes, not weeks.
Our underwriting team reviews every indicative the model produces before it reaches your inbox. Real data, real underwriter, real turnaround.