Spotlight on SES Risk Solutions: Technology - Driven Growth and Alliance at the Core
Zurich ProgramsArticleDecember 8, 2025
SES Risk Solutions has long been a leader in the real estate investor (REI) insurance space. Zurich recently recognized SES by awarding the company its prestigious Programs Pinnacle Award. This is a testament to the company’s consistent performance, strategic growth, and deep commitment to innovation.
As a program administrator, SES specializes in delivering comprehensive insurance solutions to real estate investors across the country, ranging from single-family rental portfolios to complex trust-owned assets. What sets SES apart is its relentless focus on using data, technology, and customer insight to deliver value at scale.
A Unique Program Backed by Purpose-Built Technology
At the heart of SES’s Investor Property Program is a proprietary policy administration system designed for flexibility and ease of use. With capabilities like monthly installment billing, fractional billing per property, and self-service options, the platform meets investors where they are.
“Our underwriting approach combines industry experience with AI and machine learning,” said Colleen Hart, SVP, REI Program Leader at SES Risk Solutions. “We’ve built a team that is curious-minded, data-centric, and always evolving to stay ahead of the REI market.”
SES also invests heavily in gaining deeper domain knowledge through ongoing research, engagement with industry professionals at various real estate and insurance events and listening to the customers we serve. The team regularly adjusts its offerings to meet the ever-changing needs of investors.
A Strong and Evolving Alliance with Zurich
SES and Zurich have worked together for more than 15 years, and their relationship has grown stronger over time. Zurich’s collaborative mindset, sophisticated rating structures, and consistent program management have played a major role in SES’s success.
“Zurich brings a level of underwriting and operational sophistication that helps us raise the bar,” said Shaun Shenouda, President of SES Risk Solutions. “From engaging in innovation lab sessions to strategic support from their executive leadership, they have helped us evolve the program and push into new markets.”
Together, the two organizations have developed creative solutions for emerging risks, such as the growing build-to-rent housing trend. They have also co-hosted continuing education sessions for Zurich’s agent force, efforts that expand distribution and add value for clients.
Award-Winning Performance and a Culture of Innovation
Winning Zurich’s Programs Pinnacle Award was more than just a moment of pride for SES. It reflected years of focused execution and continuous improvement. Hart attributes the recognition to the company’s ability to blend technology with disciplined underwriting.
“It is not just anecdotal anymore. It is science paired with art,” said Hart. “We are using augmented data, learning from results, and constantly looking for the next ingredient that will drive performance and help us stay relevant in the marketplace.”
A recent example from SES’s client newsletter, The Insured Investor, illustrates this mindset in action. A landlord with a complex loss history adopted SES-recommended tenant screening best practices, ultimately securing renewal terms thanks to improved risk management and close collaboration with Zurich.
Looking Ahead: Expansion, Technology, and Broader Solutions
For 2026, SES is focused on expanding its solutions across new asset classes and tenant types, including short-term and long-term rentals, as well as multifamily risks. The company is also exploring ancillary coverages and new product opportunities to serve brokers and investors more holistically.
Technology remains a top priority. SES is enhancing broker portals, expanding the use of its automated underwriting platform QUBIE, and exploring integrations with weather tracking tools to help clients manage property risk in real time. In addition, SES is evaluating alliances with captive operators to offer more customized solutions for larger clients.
Facing Market Headwinds with Stability and Support
The investor property market is facing new pressures, including tight margins, rate fatigue, aging housing stock, and shifting regulatory environments. SES continues to lead through service and technology, helping investors navigate these challenges while delivering consistency through its long-standing relationship with Zurich.
“Our customers need more than just a policy,” said Hart. “They need a trusted resource that can help them align their risk management strategy to their investment goals, adapt to change, and grow their portfolio with confidence.”