Skyway Underwriters, an U.S.-based MGA specializing in catastrophe-exposed property risks, and ResiQuant have formed a partnership aimed at reshaping how coastal wind risk is underwritten in the US property market.
Skyway has rolled out ResiQuant’s full platform across its Florida apartment and assisted living programmes, combining automated workflows with engineering-grade risk intelligence to support high-volume catastrophe underwriting.
Skyway, an AI-native managing general agent backed by American Coastal Insurance Company, represents a new class of MGAs designed around artificial intelligence and modern software architecture.
ResiQuant brings a platform built specifically for catastrophe-exposed property, pairing automation with detailed, building-level risk analysis.
ResiQuant is a venture-backed AI company building a property underwriting platform for catastrophe-exposed real estate. It combines structural engineering, computer vision, and agentic AI to help insurers and MGAs automate submission intake, enforce underwriting guidelines, and assess building-level risk in regions exposed to natural disasters.
Together, the two firms are moving underwriting away from manual review and broad risk assumptions toward data-driven, asset-specific decision-making.
The deployment supports Skyway’s expansion beyond condominium associations into Florida’s apartment and assisted living segments.
These markets introduce added complexity, where coastal wind exposure demands rapid turnaround to remain competitive while maintaining underwriting discipline across large submission volumes. Traditional approaches often force trade-offs between speed and precision. Skyway’s model aims to deliver both.
Chris Griffith, president of Skyway Underwriters, said improved data quality sits at the centre of profitable catastrophe underwriting.
He said ResiQuant enables property differentiation at a building-specific level that conventional methods struggle to achieve, allowing Skyway to scale new programmes while preserving underwriting standards associated with American Coastal.
ResiQuant’s intelligence gives us the ability to differentiate properties at a building-specific level that traditional underwriting simply can’t achieve.
Chris Griffith, President at Skyway Underwriters
“In property insurance, being 20% better at risk selection than your competition is the difference between winning and losing. This partnership allows us to scale our apartment and assisted living programs while maintaining the rigorous underwriting standards American Coastal is known for,” said Chris Griffith.
ResiQuant’s platform processes submissions instantly, converting unstructured broker data into decision-ready inputs without manual handling.
Alongside workflow automation, the system evaluates structural characteristics that influence how buildings perform during high-wind events.
That includes construction details linked to hurricane resilience that often remain invisible in traditional underwriting datasets.
By pairing throughput with engineering insight, Skyway underwriters can assess properties in coastal zones with greater confidence, distinguishing resilient assets from those more vulnerable to severe wind losses.
According to Beinsure, this level of granularity is becoming critical as insurers seek profitability in catastrophe-exposed regions rather than simple exposure reduction.
Dr Omar Issa, chief executive and co-founder of ResiQuant, said the competitive edge in catastrophe markets lies in identifying structural differences at scale.
He said speed enables participation in the market, but precision ultimately determines underwriting performance.
The partnership also reflects broader platform consolidation.
In 2024, ResiQuant expanded beyond earthquake risk to include wildfire and coastal wind, allowing partners to manage multiple natural catastrophe perils through a single system.
That expansion supports Skyway’s strategy as it grows its footprint in specialty property underwriting.
Industry surveys show a majority of insurers are already using AI in underwriting or plan to do so within the next year.
The Skyway-ResiQuant collaboration illustrates how technology-focused MGAs and specialised insurtech platforms are converging to address some of the most challenging catastrophe underwriting environments in the US market.
Skyway and ResiQuant said they plan to deepen the partnership as Skyway continues to expand in catastrophe-exposed property lines, positioning the platform as a core component of its underwriting operations.
