Janus “specialty” coverages are those bonds and policies designed to address unique or uncommon risks that standard insurance companies may not offer. These can be tailored for specialized market segments, industries or individuals with specific needs that are not adequately addressed by traditional insurance products or carriers.
Specialty
Janus, its underwriting companies, co-sureties and syndicate participants collaborate in a broad spectrum of casualty products and surety bonds. Drone (UAS/UAV) coverages [Coberturas de drones (UAS/UAV)], cyber policies, international surety bond undertakings and commercial crime policies are our preferred directly written insurance products however we will consider all non-property risks.
By going “where the risk is”, we underwrite or reinsure complex transactional risks that standard insurers might avoid. Janus manuscripts bespoke coverage parts crafted for unique client and specific industry needs. Successful writing of surety, casualty and reinsurance requires specialized underwriting expertise and a willingness to engage in non-standard risks. These qualities distinguish Janus’ specialty offer from more generalized carriers.
Janus is a direct writer where licensed. Surety One, Inc. is the exclusive managing general agency for Janus in the North American and Canadian markets. Janus Underwriters, Ltd. negotiates insurance and Re agreements in the United Kingdom, Ireland, Spain and Italy on behalf of Janus. In those jurisdictions that require agency/producer intermediaries, Janus appoints those entities with product-specific expertise that fit our offer.
Since its formation in November of 2009, Janus has maintained an adjusted loss ratio of under nine percent, a combined ratio of approximately eighty percent, consistent premium growth from inception-to-date, surplus well above statutory requirements and actuarial recommendations, and unprecedented operational efficiency (LAR under forty percent).
Janus’ strong market reputation is a direct result of high customer satisfaction reflected in our unparalleled client retention and our focus on social corporate responsibility. Since its formation, Janus has never been the recipient of a consumer complaint nor been the object of a regulatory action.