Torus’ Program division approaches business in an innovative way that distinguishes us from the competition:

• Cutting edge technology allows us to gather and categorize data in distinct and meaningful ways
• An uncompromising management style constantly challenges to find creative solutions
• Aligning the Program Administrator product with Torus’ underwriting expertise to maximize production and profitability

Torus seeks partners who control unique and homogeneous books of business, with a proven track record of profitability. Our partner’s disciplined approach to their business allows them to maximize profitability and proactively anticipate shifts in their segment of the market. Through various types of risk participation vehicles, our partners have the opportunity to share in the risks and rewards of their business choices.

Current Torus Programs include:

• Employment Practice Liability for companies with less than 100 employees
• Nursing Homes GL and Professional
• Physicians' Medical Malpractice
• Short Term Auto Leasing
• Yachts – Hull, Liability and War
• Non-Metro Taxis
• Tenant Security Deposits

Torus has both admitted and non-admitted paper available in all states and a strong balance sheet.