Answered By
Jonathan Selby - Founder Shield
Technology Practice Lead

With his years as a Long Island Broker, Jonathan blends the “old school” with fresh, tech-powered ideas. His commitment to turning over one more stone reassures us that we can pursue the perfect insurance fit for our clients, regardless of their challenges in the Digital World. The sky is the limit when humans and tech collaborate responsibly.

How Do You Decide Which Carriers to Approach?

Asked by: David L.

Jonathan Selby - Founder Shield
Jonathan Selby

We approach carriers based on several carefully considered criteria, with carrier appetite being our primary consideration. Our experienced policy placement team maintains deep knowledge of each carrier's specific underwriting preferences and specializations across different industries (such as SaaS, consumer products, E-commerce, and other sectors). This expertise allows us to strategically match your business with carriers who best understand and appreciate your industry's unique risks and challenges.

We take pride in working exclusively with A-rated carriers as determined by AM Best, the industry's premier rating agency. This commitment ensures our clients receive coverage from financially stable insurers with proven track records of claims-paying ability and overall operational excellence. An A-rating indicates the carrier has demonstrated superior ability to meet their ongoing insurance obligations, providing you with additional peace of mind.

When placing your policy, we approach the most suitable carriers for your industry first, considering not just their appetite but also their scalability potential and quality of service. Each carrier in our network must meet rigorous requirements regarding:

– Claims handling efficiency
– Policy servicing capabilities
– Coverage breadth and flexibility
– Long-term financial stability
– Industry expertise and understanding
– Ability to scale coverage as your business grows

This thorough vetting process ensures you receive not just adequate coverage, but truly optimal protection from carriers who excel in serving businesses like yours.

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