Strategic insurance decisions,
made clear.
Solaris is an independent risk and insurance advisory helping insurers and underwriting agencies understand change earlier, see what it means for their portfolios, and make better decisions about risk, growth and performance.
When good decisions matter.
GROWTH
01
The portfolio is moving. Do we understand where it's growing or shrinking — and why?
CHANGE
02
Something is changing. What could it mean for our customers, exposures and portfolio?
PERFORMANCE
03
Margins, claims or portfolio mix are moving. What’s driving it — and what might we be missing?
JUDGEMENT
04
We need to make a call. What do we know, what are we assuming, and what are our options?
From external change
to portfolio action.
Geopolitics · inflation · supply chains · climate · regulation · customer behaviour
Pricing · claims costs · capacity · wording pressure · volatility
Appetite · pricing · mix · limits · referrals · growth direction
What matters · what changes · when to act · triggers · accountability
Growth that strengthens the portfolio, remains aligned to appetite, and is fit for what comes next.
How Solaris Helps
01
PORTFOLIO STRATEGY
& RISK SELECTION
Where is the portfolio growing or shrinking — and is it where we intended?
THE PROBLEM
Portfolios move over time. Growth or contraction can occur deliberately, but changing market conditions and everyday underwriting decisions can also shift the portfolio in unintended ways. Mix, concentration, pricing, appetite and risk selection can move away from intent — particularly where those changes are not clearly identified, monitored or understood.
WHAT SOLARIS DOES
We bring together portfolio data, underwriting judgement and external intelligence to understand where the portfolio is growing or shrinking, what is driving that movement and how the risk profile is changing as a result. We identify emerging concentrations and portfolio drift, test growth opportunities and risk selection, and assess whether appetite, controls and strategy remain aligned with the direction the business intends to take.
WHY IT MATTERS
Greater visibility of where and why the portfolio is changing helps leaders distinguish intentional movement from unintended drift or accumulation — supporting earlier intervention, stronger risk selection, better protection of margin and more sustainable growth.
02
EMERGING RISK &
INTERCONNECTED EXPOSURE
What could this change mean
for our portfolio?
THE PROBLEM
External events and emerging risks can affect customers, industries and portfolios in ways that are difficult to see at first. The exposure may develop across supply chains, operations, coverage and multiple lines of business before it becomes visible in claims or portfolio data.
WHAT SOLARIS DOES
We trace how change could move through customers, industries, exposures and insurance portfolios — identifying connections, concentrations, potential loss pathways and where existing assumptions may need to be reconsidered.
WHY IT MATTERS
Earlier understanding creates more time to assess exposure, test assumptions, adjust underwriting or portfolio strategy and act before the consequences become clearer — and the available options narrower.
03
DECISION QUALITY
& GOVERNANCE
Are we making the decision
with the clearest view available?
THE PROBLEM
Material decisions are often made with incomplete information, competing priorities and pressure to act. Assumptions can go untested, uncertainty can be understated, and important signals or alternative options can be missed.
WHAT SOLARIS DOES
We bring structure and independent challenge to important portfolio and strategic decisions — clarifying the evidence, assumptions and uncertainties; testing scenarios and options; and establishing practical triggers, escalation points and accountability where needed.
WHY IT MATTERS
Better decision discipline helps leaders act with greater clarity and confidence, explain how and why a decision was made, and adapt as conditions change — without waiting for certainty that may never come.
Who We Work With.
Advice shaped around the decisions you own.
-
Insurers
Portfolio and underwriting leaders seeking an independent view of portfolio direction, performance, risk selection, emerging exposure and growth opportunities.
-
Underwriting Agencies & MGAs
Agency leaders balancing growth, capacity, appetite and portfolio performance — and needing a clearer view of where the portfolio is moving and why.
-
Executives, Boards & Governance Committees
Senior leaders seeking independent perspective and structured challenge around material portfolio, strategic and emerging-risk decisions.
Independent perspective. Evidence-led analysis. Advice designed around the decision at hand.
How We Think. How We Work.
Independent by design. Commercially grounded. Focused on helping leaders make better risk and insurance decisions.
Independent
No product or distribution agenda.
Practical
Advice designed to be acted on.
Rigorous
Evidence, assumptions and uncertainty made explicit.
Commercial
Focused on portfolio performance and sustainable outcomes.
Insights
Commentary on portfolio performance, governance, emerging risk and decision quality.
