tAKE CONTROL OF YOUR PROFIT LEAKAGE.
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Not in the risk price.
Your premium leaks profit.
Profit.
leakage
Taxes
Fees
Fronting
Distribution
Reinsurance
FX
PQP helps insurers, MGAs, brokers, captives and reinsurers find, compare, explain, and control hidden profit leakage across multinational premium structures.
Not in the variance report.
In the compounding of everything beyond the underlying risk cost.
Find hidden profit leakage across your premium structure.
FIND IT
COMPARE IT
Benchmark
Compare your premium structure with industry peers.
EXPLAIN IT
X-Ray
Explain exactly where your profit is leaking and why.
CONTROL IT
Quoting Pro
Control premium structure before profit leakage reaches the balance sheet.
Take control of profit leakage.
Find hidden profit leakage across your premium structure.
FIND IT
COMPARE IT
Compare your premium structure with industry peers.
EXPLAIN IT
Explain exactly where your profit is leaking and why.
CONTROL IT
Control premium structure before profit leakage reaches the balance sheet.
Take control of profit leakage.
There is a margin gap in most multinational programmes. It doesn't appear in the risk price. Or the variance analysis.
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
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
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
SERVICES
See where your premium may be leaking profit.
Start with a Health Check using publicly available information, or compare your structure with selected peers.
CONTACT
Contact PQP
Explore how your premium structure may be impacting retained margin.
A focused diagnostic conversation is the first step.
Our mission
We're on a mission to change the way the housing market works. Rather than offering one service or another, we want to combine as many and make our clients' lives easy and carefree. Our goal is to match our clients with the perfect properties that fit their tastes, needs, and budgets.
Our vision
We want to live in a world where people can buy homes that match their needs rather than having to find a compromise and settle on the second-best option. That's why we take a lot of time and care in getting to know our clients from the moment they reach out to us and ask for our help.
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