CARRIER-OWNED DISTRIBUTORS AND EXCLUSIVE AGENTS
Every risk in your funnel is worth something.
Owned distribution only works if the whole funnel monetizes. Whether a risk comes from an exclusive agent, your brokerage, or a customer who came to you directly, your products and your panel are quoted in the same flow. Out-of-appetite risk turns into retained revenue.
THE BRANDED SURFACE
It looks like you, because it is you.
Producers work inside your platform, under your brand. DeX ai shapes the surface around whoever is using it, whether that is an exclusive agent placing a risk, an underwriter at the parent, an analyst looking at the book, or a customer buying coverage in your storefront.
THE CHALLENGE
The risk you can’t write is still your customer’s risk.
Your appetite isn’t the problem. The problem is what happens after a risk falls outside it. A producer starts over somewhere else, a customer goes looking on their own, and a relationship you paid to acquire becomes someone else’s renewal.
They only saw what fit
An exclusive agent with one product to sell makes one offer. Everything else that account needs gets placed elsewhere, and a multi-product customer stays a single-policy one.
Appetite isn’t obvious up front
A producer can’t tell from a form whether your underwriters will write a risk, so they guess. A customer can’t tell at all, so they leave. In both cases the risk moves before anyone knows where it belongs.
An unmonetized funnel can’t fund itself
Strategic partners exist for the risks you choose not to write. When a risk leaves instead, so does a multi-product customer, along with the cross-sell and retention that made the account worth acquiring.
PROCESS
Quoted on your paper or placed on your panel.
Your products and your panel are quoted in the same flow, all of it under your brand. A risk that fits your appetite goes to your product, bound straight through or routed to your underwriters. A risk that doesn't goes to your panel. Either way the account is placed and the customer stays yours.
Book a DemoStorefront and producer flows
A customer quoting on your storefront and a producer working an account enter the same flow, whether the risk arrives by form, email, ACORD, or API.
Your products are the anchor
Every risk is checked against your appetite before anything else. A good fit is bound straight through or routed to your underwriters with structured data attached.
Your panel for everything else
Risks and lines outside your appetite go to your brokerage panel in the same flow, admitted and E&S. Partner products complement your core lines, so multi-line customers get complete coverage and the account stays whole.
STP or straight to an underwriter
Risks that meet your rules bind straight through. The rest reach an underwriter with enrichment and a full audit trail already attached.
CAPABILITIES
Your appetite is the start, not the ceiling.
FAQ
Questions we get asked.
Market Intelligence matches each risk to markets with real appetite, weighted to your own paper first, so submissions land where you actually want to write. Clean business runs straight through with little to no human touch, which holds acquisition cost down as volume grows. Risks your markets can’t take are placed through our digital wholesale operation, turning declined volume into commission instead of expense. Your carrier objectives, portfolio exposure, class concentration, appetite, and growth targets, and your brokerage objective of finding the right market fast, are managed in the same flow and adjusted in real time.
Own the risks you can’t write.
Owned distribution works when the whole funnel earns. Give every account a path to placement.