Premium Orchestration

Move premiums with precision across complex placement structures.

Vitesse helps wholesale brokers manage premium flows from retail brokers through to carriers, MGAs, and reinsurers with real-time visibility, controlled allocation, and full auditability.

Supplier Payment
Built for complex wholesale placements

Premium orchestration designed for multi-party distribution.

Real-time view across placements

Track premium receipts from retail brokers and monitor balances by contract, market, currency, or producing broker. Replace fragmented bordereaux tracking with consistent, real-time reporting for reconciliation and audit.

Allocation at speed

Distribute premiums across carriers, MGAs, and reinsurers based on placement structures. Automate splits, handle multi-currency flows, and manage layered or subscription placements without manual intervention.

Connected to downstream obligations

Wholesale brokers often manage funds that support claims or delegated arrangements. Vitesse ensures funds are correctly structured and available to meet obligations, reducing delays and operational friction.

Our premium orchestration solution

One global system of record for premium and claim fund management

Vitesse simplifies how wholesale brokers receive, hold, and distribute premiums across complex placement chains. Segregated accounts. Configurable allocation logic. Full transparency across all stakeholders.

Track premiums globally

Aggregate premiums from multiple retail brokers across 26+ currencies. Structure funds by placement, carrier, or geography, with clear visibility into timing, source, and expected allocation.

Allocate with precision

Apply placement-specific rules to split premiums across markets, retain brokerage and fees, and forward net premiums to carriers and partners. Support subscription placements and reinsurance structures with full traceability.

Generate interest

All premiums held with Vitesse are managed as a unified liquidity pool across programs, enabling operational agility and timely fund availability in an interest-bearing environment.

Share view with stakeholders

Provide carriers, MGAs, and partners with controlled access to relevant accounts and transactions. Ensure transparency without losing control of funds or data.

Execute movements at scale

Process high volumes of premium allocations and payments efficiently through bulk uploads, API integration, or automated workflows.

Protect your premiums

Premiums are held in segregated accounts with tier-1 banking partners, ensuring safeguarding, clear ownership, and regulatory compliance.

One platform, multiple use cases

Built for wholesale brokers managing premium flows at scale

Wholesale Brokers

Receive premiums from retail partners into segregated, program-specific accounts. Retain reserves, distribute commissions, and remit net premiums to carriers with full audit trails and real-time visibility.

Delegated Authority and Coverholder Operations

Hold and allocate premiums under binder or coverholder agreements. Retain claims funds to delegated thresholds, remit net premiums to capacity providers, and provide auditable reporting that meets Lloyd's and carrier oversight standards.

Program Managers

Administer premiums across multiple capacity providers in one platform. Segregate funds by carrier share, automate quota-share distributions, and deliver consistent reporting to every market participant simultaneously.

Multi-Market Wholesale Brokers

Place risks across Lloyd's syndicates, London company market, and international carriers from a single premium hub. Manage multi-currency flows, consolidate settlement across markets, and give each capacity provider visibility of their share.

Frequently Asked Questions

Find quick answers to common questions about premium orchestration with Vitesse.

What is premium orchestration with Vitesse?
Premium orchestration with Vitesse enables insurance organisations to manage how premium funds are collected, allocated and moved across complex insurance structures. Premium flows can be organised by contract, market, entity, currency or risk participant, then allocated between carriers, MGAs, reinsurers, captives and other parties according to the underlying arrangement. This provides greater visibility, control and traceability over premium funds while simplifying settlement and reconciliation across multiple participants.
How does Vitesse support premium orchestration for wholesale brokers?
Vitesse helps wholesale brokers manage premium flows from producing brokers through to carriers, MGAs and reinsurers. Premium funds can be collected into segregated accounts and allocated across participating parties according to the underlying placement structure, with allocation automated where the placement structure supports predefined rules. This provides real-time visibility into premium receipts and settlements, supports multi-currency flows, and creates a clear transaction-level audit trail for reporting and reconciliation.
How does Vitesse support premium orchestration for multinational insurance programmes?
Vitesse helps insurers manage premium flows across multinational programmes involving local entities. Premium funds can be structured and tracked by contract, country, entity, currency or risk participant, then allocated across participating parties according to the underlying programme structure. This provides real-time visibility across global premium flows, supports multi-currency settlement and FX, and simplifies reconciliation across complex international arrangements.
How does Vitesse support premium orchestration for captive insurance programmes?
Vitesse helps manage premium flows across the different parties involved in a captive programme, including the parent or insured entities, captive, fronting carriers, brokers, reinsurers and other programme partners. Premium can be collected, segregated and allocated between these parties according to the underlying programme structure, including retained premium for self-insured risk and onward settlement to fronting carriers and reinsurers. This provides the captive and its partners with greater visibility and control over premium flows, balances and settlements across entities, countries and currencies.
How can premium orchestration connect premium flows with downstream claims funding?
Vitesse can connect premium and claim fund flows within the same financial infrastructure. Premium can be allocated between onward premium settlements and withheld funds retained in segregated accounts to support downstream claims funding. Vitesse provides real-time visibility into these balances, allocations and subsequent payment activity, creating a more connected flow from premium collection and allocation through to claims funding and payment, while simplifying reconciliation.

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