Ermitage Risk is a specialty insurance MGA and advisory firm focused on program consulting, underwriting-driven profitability, reinsurance strategy, and M&A advisory.

We engineer the future of insurance through an Agentic AI-first approach. By converting narrative underwriting into Programmable Risk Workflows, we create the infrastructure for truly autonomous programs. We combine an insider’s knowledge of MGA and insurer operations with high-adoption digital tools that integrate effortlessly into the daily lives of underwriters, operations and brokers. 

Ermitage Risk operates at the intersection of MGA development, specialty insurance, portfolio optimization, and transaction support. We design, launch, and manage specialty insurance programs and advise MGAs, carriers, and investors operating in complex specialty insurance markets.

Our platform spans five core capabilities:

• Insurance Program Creation through The Program Box
• Agentic AI Architecture and Tools, supported through process modernization
• M&A and Portfolio Due Diligence, including underwriting, claims, capital, reinsurance, and technology
• Portfolio Profitability Sprints to improve underwriting performance, data quality, and portfolio management
• Reinsurance Advisory, including placements, contract reviews, sidecars, and captive development