Underwriting (v.)

-the process of accepting risk for a stated premium

At P.E.R.U. underwriting encompasses much more.  Our underwriters attempt to define the needs of your clients through evaluation of both current and historical data.  Sometimes an underwriter must go beyond the requested need and envision a more comprehensive solution.

“Price does not define Phoenix Excess Risk Underwriters, Solutions to your problems and the relationships we build define Phoenix Excess Risk Underwriters.  We are an ever evolving company designed to fit you and your client’s needs”

-Thomas A. Power-

Managing Member


The function of the claims department of P.E.R.U. is to adjudicat stop loss claims in excess of the specific and aggregate deductibles on behalf of our reinsurance carriers.

Specific and aggregate reimbursement requests are reviewed in-house up to $100,000.  Claims in excess of $100,000 are referred to the carrier for approval and recommendation of payment.

PERU strives to keep a 3 – 5 day turnaround time for a submission review to be completed and a reimbursement requested from our reinsurer.

Download the P.E.R.U TPA manual for further details on claims submission and forms.


Policy Issuance

PERU issues all policies on behalf of our carriers.  In order to facilitate fast turn around time, documentation required to issue a policy must be submitted within 30 days of the effective date.  Our policies are issued in accordance with the provisions stated under E.R.I.S.A..

Download the P.E.R.U TPA manual for more details on policy issue requirements.


Premium Accounting

The primary goal of our accounting department is to comply with all Federal, State, and local regulations and tax codes without compromising the services we provide our clients.  We also ensure that policies and procedures as determined by our reinsurers are followed.

Please refer to the P.E.R.U. TPA manual for further details.