How to secure capacity for hard-to-place risks

Global commercial insurance pricing softened by 3% in Q1 2026, but conditions remained sharply uneven by line, according to the Marsh Global Insurance Market Index. Property fell 9% whilst casualty rose 3%, and political violence reached its highest-ever position in the Allianz Risk Barometer. For brokers, intermediaries, and underwriting teams operating in the London and Lloyd's markets — where complex, high-limit, and geographically sensitive risks are a daily reality — the challenge isn't market softening. It's securing capacity for the accounts that don't fit neatly into a standard submission. 

Hard-to-place risks are rarely uninsurable. More often, they're underprepared. 

This white paper from EXOS is a practical guide for insurance brokers, managing general agents (MGAs), and underwriting teams working with risks in emerging or challenging markets. It sets out why submissions fail to attract capacity — and what it takes to change that outcome. From structuring the placement and explaining loss history to targeting the right markets and anticipating underwriter objections, this guide gives professionals a clear, actionable framework to move difficult risks from submission to confirmation. 

By downloading this white paper, you will get: 

• A breakdown of the five placement concerns most likely to deter underwriter support, including incomplete data, unexplained losses, and high catastrophe exposure 
• The five questions every market-ready submission must answer — covering the insured, the exposure, the territory, the risk controls, and how the market can participate 
• A six-step placement-building process: from collecting complete risk data to finalising capacity 
• Five proven actions that improve placement success, including how to explain loss history, solve with structure rather than price alone, and select markets deliberately 
• A market-readiness checklist to test whether a submission is ready before it reaches the market 

Getting more markets to say yes starts with a stronger submission. Download the white paper now and put a proven placement framework to work on your next complex risk. 

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