It sits in the structural layer between how premium was designed to flow and ow it is actually flowing.

It is a SEQUENCING problem. And it is measurable.

Structural Diagnostic for Retained Margin

A structured calculation layer for non-risk premium economics

PQP applies the following correct legal sequence across jurisdictions. It supports net-to-gross and gross-to-net calculations and produces transparent, audit-ready breakdowns by territory, LoB, and stakeholder.

• Statutory charges

• Regulatory requirements

• Fronting costs

• Programme economics

• Distribution structures

• Reinsurance arrangements

• FX alignment and Rounding consistency

PQP is built for complex, multi-jurisdiction programmes

• Insurers - Zero leakage · Up to £500k saved per programme · freed UW/actuarial capacity from reconciliations and focus on deep analysis

• Brokers - Transparent billing · faster placements · fewer disputes

• Captives - Defensible, consistent flows · lower audit friction · strong governance

• MGAs - Accurate multi-territory quotes · strengthened carrier trust

• Reinsurers - Clear exportable premiums · no ambiguity or misreporting

PQP complements risk pricing. Never replaces it.

Early traction and validation

Gains from using PQP

• Consistent premiums across jurisdictions

• Less manual rework and reconciliation

• Faster quoting and biding

• Clear audit trails and explainable outcomes

PQP does not price insurance risk. It standardises the non-risk layer and fits into existing workflows without disrupting underwriting judgement.

• Engagement from insurers, brokers, and MGAs

• Independent testing by senior actuarial professionals

• Active demo and pilot pipeline

• External validation from FCA, JPMorgan, Innovate UK

Ready to see PQP in action?

Book a short demo to understand how PQP supports accurate, audit-ready premium calculation across jurisdictions.

We're here to support you, simplify, and accelerate your premium quoting process.

Customer Reviews

Hear what our clients say about PQP's innovative multinational and interstate programme solutions.

The focus on speed, real-time data, and jurisdictional accuracy stood out. Execution at scale critical, and PQP addressed this thoughtfully.

P&C Insurer CEO

US

PQP is addressing a clear and recognised problem in the insurance market. We’re keen to see PQP in action with our clients.

International Insurer Consultant

UK

★★★★★

★★★★★

Strong functionality and depth. We'd like platform access asap to explore further and speak more confidently with clients.

Global Professional services advisor

UK

★★★★★