Founder & Managing Director

    Michael H. Jenkins

    Licensed Property & Casualty Insurance Broker — New York

    InsurTech founder and seasoned surplus lines underwriter with nearly a decade of commercial P&C underwriting experience and 12+ years of commercial property operations. Architect of the StrataCover wholesale infrastructure built for hard-to-place, high-hazard New York exposures — NYC commercial construction, NY Labor Law, Action Over liabilities, and $100M+ layered excess towers.

    Core Competencies

    NY Labor Law §§ 240/241Action Over ExposuresLayered Excess Towers ($100M+)Contractual Risk TransferHigh-Hazard LiabilityE&S Program StructureWholesale Platform ArchitectureCommercial Property & Casualty

    Career

    2025 — Present

    Founder & Managing Director — StrataCover Network

    Engineered proprietary wholesale technology infrastructure for complex commercial E&S placements across property, casualty, and specialty lines. Structures high-hazard surplus lines programs for NYC construction, commercial real estate, Builder's Risk, Action Over exposures, and layered excess towers ($100M+ limits).

    2004 — 2011

    Commercial Underwriter — WKFC Underwriting Managers

    Underwrote and structured complex commercial P&C risks across East Coast markets, managing E&S programs exceeding $5M in aggregate written premium. Evaluated high-hazard risks from $2K to $500K+ individual premiums across Property, Casualty, Excess, and Specialty lines.

    Advisory

    Commercial Real Estate & Risk Advisor — eXp Commercial

    Advised private and institutional clients on commercial real estate transactions, lease negotiations, and property due diligence across Tier 1 New York markets, applying P&C underwriting methodology to asset-level risk.

    2012 — 2024

    Portfolio Operations & Property Manager — Kings Reign Productions

    Directed operations and risk mitigation for a 50,000 sq. ft. commercial real estate portfolio comprising 100+ active commercial leases, overseeing physical risk assessments and contract compliance.

    Work with the desk

    Retail brokers with high-hazard New York risks can submit directly for triage.

    Submit a Risk