Prepared Risk Performs Better.
Depth Risk helps insurance brokers secure better stop-loss outcomes by restructuring risk before it ever reaches the carrier.
Stop-Loss Has Become Harder Than It Should Be.
If you are struggling to explain stop-loss pricing to your clients, you are not failing. The system is. Most stop-loss is quoted using surface-level data that ignores the real drivers of cost. Brokers are left reacting to rates they did not influence, defending decisions they did not control, and watching opportunities slip away because the risk was never truly examined.
In a market under pressure, guessing is expensive.
We Prepare Risk Before It Is Priced.
Depth Risk exists to slow the process down and look deeper. As a managing general underwriter, we work alongside brokers to identify what can be improved within a case before it is submitted to carriers.
That preparation changes the conversation. It gives carriers confidence. And it creates space for better pricing.
When Risk Is Clear, Outcomes Improve.
When brokers work with Depth Risk, the work happens before the quote. Cost drivers are identified. Fixes are implemented. Carriers receive cleaner, more defensible cases. The result is not just lower premiums, but stronger broker credibility and better long-term client relationships.
Typical outcomes include:
More consistent stop-loss pricing
Reduced total cost through risk optimization
Greater confidence in renewal conversations
Clear differentiation in a crowded market
Our Process:
Depth Risk: A Disciplined Approach to Better Stop-Loss.
Depth Risk follows a simple, repeatable process designed to reduce confusion and improve results.
Review the case and identify avoidable risk drivers
Recommend practical changes brokers can implement
Prepare a carrier-ready submission that reflects the improved risk
Depth Risk is a managing general underwriter specializing in stop-loss optimization for insurance brokers and employer-sponsored health plans.
By identifying and addressing key risk factors before underwriting, Depth Risk helps brokers reduce stop-loss premiums, improve benefit design, and present cleaner cases to insurance carriers. Through risk restructuring, cost driver analysis, and carrier-aligned preparation, Depth Risk supports brokers seeking better stop-loss pricing, stronger renewals, and more predictable outcomes for their clients.