Premium Orchestration

Move premiums with precision across the insurance value chain.

Vitesse helps premium holders orchestrate funds efficiently to underwriters, partners, and claim accounts with real-time visibility, automated routing, and full auditability.

Built for complex premium programs

Premium orchestration
designed to scale.

Real-time view across programs

Track premium receipts and balances by program, currency, market or distribution channel. Get consistent reports for audit and reconciliation.

Allocation at speed

Route funds to stakeholders and claim funds. Structure and execute movements per your model, with support for splits, multi-currency flows, and delegated arrangements.

Connected to claims operations

Premium and claims are intrinsically linked. Vitesse bridges the two, ensuring withheld and delegated funds are ready to support fast claim payments.

Our premium orchestration solution

One global system of record for premium and claim fund management

Vitesse simplifies premium tracking and distribution across all stakeholders in your programs. Segregated accounts. Configurable flow rules. Built-in quota-share support.

Track premiums globally

Aggregate premiums in 26+ currencies, structure them by program, market or currency, with visibility into value, timing and source of funds.

Allocate with precision

Set rules where applicable, or apply tailored allocations. Withhold funds for claims, distribute commissions, and forward onward premiums to the appropriate parties.

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

Grant delegated access to partnering brokers, reinsurers, carriers, TPAs... They only see relevant accounts and movements, and can make authorized payments.

Execute movements at scale

Accelerate funds flows between accounts and pay external parties in bulk. CSV upload, API integration, or automated host-to-host file exchange.

Protect your premiums

Premiums held with Vitesse are safeguarded in segregated accounts with tier-1 banks, ensuring full protection and regulatory compliance.

One platform, multiple use cases

A Premium solution for
every business model.

Brokers

Wholesale brokers can route premiums received from retail partners into contract-specific, segregated accounts, retain agreed reserves, and distribute onward premiums, commissions, and fees with clear oversight and reporting.

MGAs

MGAs can manage premiums on behalf of capacity providers in segregated accounts, retain funds for claims, and distribute net premiums, commissions, and fees in line with underwriting agreements, with real-time visibility and consistent reporting.

Carriers

Carriers can retain oversight of premiums collected globally by brokers and MGAs, ensuring funds in multiple currencies are correctly allocated across underwriting shares, fees, and claim reserves, with clear segregation, real-time visibility, and auditable reporting.

Captives

Multinational captive programs collect local premiums through fronting insurers, consolidate multi-currency balances at a global level, and allocate funds to individual captive cells and reinsurance partners through a centralized premium hub.
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