Tailored Coverage: Fairer Decisions, Happier Customers

Underwriting has always been an art of balance: weighing risk, broker relationships, and performance data to arrive at pricing that’s both fair and profitable. Yet, when coverage structures get complex, clarity often suffers.

That’s why we built Coverage Inclusion & Limit, a Kitsune feature that helps underwriters define coverage structures precisely, make smarter pricing decisions, and deliver fairer outcomes for all parties.

With this feature, underwriters can define limits, sub-limits, and deductibles across coverage types, while keeping a structured view of exposures and aggregates. From Primary to Excess, Facultative to Quota Share, it’s all managed through a guided workflow designed for clarity and control.

The result?

• Smarter pricing that aligns with exposure
• Granular visibility across coverage layers
• Consistent, compliant structures that reduce risk

How it works:

Complex structures, simplified. Define your policy limits in a few guided steps: from setting the maximum payable amount to refining limits by subline, segment, or coverage type.

You can:

• Define contract type (Primary or Excess)
• Manage Direct, Facultative, Q/S, Primary, and Excess layer structures
• Set limits, sub-limits, and deductibles for each coverage
• Automatically receive Lloyd’s risk code suggestions for accuracy and consistency

Whether standalone or blended coverage, you get a granular, structured view of limits and exposures, including aggregates.

Who it’s for:

Assistants, Underwriters, and Managers looking to strengthen pricing precision and deliver fair, transparent coverage experiences.

Fair, transparent underwriting shouldn’t be complex; it should be confident. Kitsune helps you get there, one coverage decision at a time. Book a demo!