Producer
Broker shortlists market and routes the account.
Broker → UW
Submission email arrives with exposure data and loss runs.
Underwriting ops
Conflict, sanctions and appetite checks.
Underwriting ops
Loss runs parsed, normalised, attached to the risk.
Underwriter
Reads the risk; assembles the exposure picture.
Underwriter + actuary
Layer-by-layer pricing, attachment and share.
Underwriter
Slip drafted; layers, forms, endorsements set.
Broker / markets
Order signed; placement and stamping.
Operations
Contractual record retained on Cactus Risk Studio.
Finance & data
Premium booked downstream; data flows out.
UW + claims
Endorsements; loss data returns at renewal.
Reinsurer
Reinsurers log in to audit the portfolio.