Inventory Index
Insurance Operating Models
Full inventory of operating models, central complexities, Facio mechanisms, and customer evidence.
Lloyd’s Coverholders
Operating Situation: Operating delegated binding authority with complex capacity rules.
Central Complexity: Strict Core Data Record (CDR) standards, multi-section binder limits, and rigid monthly bordereaux deadlines.
Facio Mechanism: Deterministic authority engine, automated V5.2 bordereaux compilation, and real-time referral routing.
Evidence: Scaling Delegated Authority Story
Capabilities: Policy Administration · Underwriting Workflows
Commercial Lines Underwriting
Operating Situation: Underwriting complex mid-market commercial risks with custom exposures.
Central Complexity: High-volume email submissions, unstructured risk data, and manual referral bottlenecks.
Facio Mechanism: Structured intake journeys, automated eligibility rules, and versioned risk schema definitions.
Evidence: Complex Commercial Underwriting Case
Capabilities: Underwriting Workflows · Product Configuration
Multi-Country Operations
Operating Situation: Expanding binder programs across European and international jurisdictions.
Central Complexity: Different tax regimes (IPT), local policy wordings, currencies, and multi-channel distribution.
Facio Mechanism: Shared core operating model with multi-currency, multi-tax, and multi-language engine.
Evidence: Abbeygate Mediterranean MGA Story
Capabilities: Policy Administration · Rating & Financial Logic
Reinsurance MGAs
Operating Situation: Managing treaty capacity, fronting paper, and retrocession allocations.
Central Complexity: Risk, capacity, policy and reporting reconciliation across multiple capacity providers.
Facio Mechanism: Multi-layer financial ledgers and capacity-partitioned audit trails.
Evidence: Operating a Reinsurance MGA Story
Capabilities: Rating & Financial Logic · Reporting & Bordereaux
Embedded & Affinity Insurance
Operating Situation: Integrating point-of-sale coverage into partner e-commerce and SaaS platforms.
Central Complexity: High-transaction volume, micro-premium calculation, and API latency constraints.
Facio Mechanism: API-first quote & bind engine with instant policy generation.
Evidence: InsurMedix Global Care
Capabilities: APIs & Agent Gateway · Rating & Financial Logic
Group & Community Insurance
Operating Situation: Providing collective coverage to association members or sports groups.
Central Complexity: Dynamic roster management, mid-term additions, and pro-rata declaration billing.
Facio Mechanism: Collective risk pooling and declaration-driven transaction ledgers.
Evidence: InsurMedix Sports Care
Capabilities: Policy Administration · Reporting & Reconciliation
Group Travel Medical Assistance
Operating Situation: Supporting international travelers with instant emergency medical coverage.
Central Complexity: Cross-border assistance network orchestration and direct provider funding.
Facio Mechanism: Connected claims, payment card issuance, and real-time coverage validation.
Evidence: InsurMedix Global Care
Capabilities: Claims & Insurance Payments · Policy Administration
Embedded Moving Insurance
Operating Situation: Protecting household property and valuables during domestic or international moves.
Central Complexity: Itemized property declarations and valuation proof before move date.
Facio Mechanism: Customer property vault confirmation linked to claims evidence history.
Evidence: InsurMedix Property Vault
Capabilities: Claims & Insurance Payments · Product Configuration