Tower Limit
$152M
$150M excess over $2M SIR
Total Premium
$3,177,500
Weighted $/M
$21.2K
Banyan GWP
$190,000
6.0% of tower
Largest Loss · 10Y
$12.4M
pierces SIR
Open Exceptions
2
Coverage Lines
AI Underwriting Summary
2026 Renewal · generated 3m agoSynthetic test fixture exercising every Tower data-model field: per-occ + aggregate layers, premium breakdowns (base/TRIA/taxes/fees/brokerage), punitive pricing, ALAE, Banyan share + GWP, sticky overrides, multi-year exposure across revenue/payroll/units/miles/employees/locations, and full loss-run granularity (paid/reserve/ALAE split). The 2026 renewal is a $125M tower over $2M SIR with Chubb lead, AXIS/BHS XS1, Arch XS2 (aggregate cap), and two QS layers where Banyan participates 20% and 30% respectively. The open $12.4M Texas auto claim is the primary stress test — at policy limit it would pierce Excess 1.
Data Quality
| Layer | Limit | Attachment | Status |
|---|---|---|---|
| Excess 4 (QS) | $50M | $102M | tbd |
| Layer | Base | TRIA | Taxes | Fees | Continuity Cr. | Σ Breakdown | GWP | Δ |
|---|---|---|---|---|---|---|---|---|
| Lead Umbrella | $1,050,000 | $28,000 | $92,000 | $18,000 | — | $1,188,000 | $1,250,000 | −$62,000 |
| Excess 1 | $590,000 | $14,000 | $49,000 | $8,000 | — | $661,000 | $685,000 | −$24,000 |
| Excess 3 (QS) | $270,000 | $6,500 | $22,500 | $4,000 | — | $303,000 | $312,500 | −$9,500 |
Tower Structure · 2026 Renewal
Bars scaled by limit; carrier shown with composite count. Red dashed lines map historical incurred losses piercing above the SIR. Dashed gray outlines = expiring tower for delta read.