We structure and place what the standard market declines.
When a standard carrier declines your submission, it rarely means the risk is uninsurable. It means no one has structured it correctly.
Universa operates exclusively in the excess and surplus lines market — where placement requires direct access to non-admitted carriers, Lloyd's syndicates, and specialty underwriters who price complexity rather than avoid it.
We don't pass your risk to a middleman. We build the program architecture ourselves.
Emerging technology risk, model failure, algorithmic decision liability. Non-standard placement for companies the admitted market hasn't caught up to.
Loss-affected accounts, high-severity incidents, complex cyber programs requiring surplus lines access and multi-carrier layering.
Hard-to-place contractors, high-hazard operations, wrap-up programs, and loss-affected accounts requiring specialty market access.
Complex excess tower construction, program re-architecture, and surplus lines placements across multiple carriers and jurisdictions.
Small to mid-size operations facing non-renewal, capacity reduction, or adverse claims history requiring E&S solutions.
Space, climate, novel exposures. Risks the standard market has no form for. We build the program from first principles.
"Not because the risk was uninsurable —
but because it was misstructured."
Universa was built around one observation: the standard market leaves too many viable risks on the table. Not because the exposure can't be underwritten — but because placing it correctly requires market access and structural expertise most retail brokers don't have.
We work directly with E&S carriers, non-admitted markets, and Lloyd's syndicates to place risks that have been declined, non-renewed, or inadequately covered in the admitted market.
This is not a wholesale operation. Every submission is reviewed, structured, and placed with intent.
Declined. Non-renewed. Underserved. We want the submission.