Your Team is at Capacity. A Cat Event Just Doubled Your Volume.
Or, a major wildfire suddenly engulfs acres of land. Within 48 hours, new submissions flood your intake queue at twice your normal pace. Your underwriting team—already running lean—is stretched to the limit. The phone lines are stacking up. Processing timelines start to slip. And regulators are watching.
For Fair Plans and residual market organizations across the country, it’s the operating reality. Catastrophe-exposed risk is concentrating in residual markets at the same time the insurance workforce is undergoing a generational shift. Policy volumes are climbing while the pipeline of experienced underwriting and claims professionals continues to thin.
The result? Organizations built to deliver under public mandate are absorbing more risk—with fewer resources to process it.
The Traditional Staffing Model Wasn’t Built for This
Traditional staffing models were built for stability, not volatility. Recruiting cycles are long. Onboarding requires specialized, insurance-specific training. And internal teams typically operate near capacity before a catastrophe event or submission surge hits.
When demand spikes, leadership teams face a familiar set of bad options: stretch existing staff past sustainable levels, delay work until capacity opens up, or scramble to bring on generalist contractors who lack insurance fluency and need months of ramp time.
Each of those choices carries real consequences, including service delays, processing backlogs, and operational risk that compounds with every passing week.
Elastic Staffing: Capacity that Moves with Demand
A growing number of residual market leaders are rethinking how operational capacity is structured. They’re moving from a fixed headcount model toward elastic staffing approaches that scale with real workload demand. The benefit is twofold: service continuity is maintained without the long-term cost burden of permanent headcount expansion, and your internal team stays focused on the highest-value work instead of triaging overflow.
What Nearly Three-Decades of Insurance Operations Looks Like
FOCUS has spent more than 30 years embedded in the operations of carriers, MGAs, and residual markets to follow your workflows, and operate with the insurance-specific knowledge that generic staffing firms simply cannot provide.
For leadership teams navigating catastrophe exposure, workforce transition, and operational pressure, the question is how quickly can you put a solution in place? FOCUS partners with Fair Plans and residual market organizations to ensure when the next surge comes, your operation is more than ready.
Ready to explore how elastic staffing can support your next surge period?
Contact us at Solutions@teamfocusins.com or visit http://www.teamfocusins.com to start a conversation.
Today our teams support more than 1M calls annually, 750K production tasks, and 500K underwriting file reviews, providing surge capacity when internal teams face the greatest pressure.
FOCUS: Operational Excellence, Without Compromise.
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About FOCUS
FOCUS is a full-service insurance operations partner purpose-built for MGAs, P&C carriers, and specialty programs. The company delivers licensed, U.S.-based operational capacity across underwriting support, policy administration, claims support, customer service, quality assurance, print and mail, and business analysis backed by the proprietary InFOCUS platform for policy and claims management. FOCUS maintains an NPS more than double the insurance industry average and has launched more than 30 carriers, MGAs, and service centers nationwide.
Media Contact:
Kim Tambo
Senior Manager, Product Marketing
FOCUS
Kim.Tambo@teamfocusins.com
http://www.teamfocusins.com