On this episode of FNO InsureTech, Rob Beller and Lee Boyd sat down with Terry McLean, President and CEO of SageSure, for a candid and grounded discussion about what it takes to build a durable property insurer in the most challenging regions in the country. Terry shares how SageSure has managed to grow in coastal markets while maintaining long term stability, even as many competitors step away.

A resilience first approach to coastal property

Terry walks through the philosophy behind SageSure’s success. The company approaches coastal exposure as a challenge to be engineered rather than a crisis to avoid. Instead of chasing rapid expansion, SageSure leans on accurate pricing, careful segmentation and strong agent relationships. This methodical approach has helped the company remain steady through market cycles where others pause new business or withdraw entirely.

Smart underwriting over fast volume

A key theme in the conversation is the company’s strict underwriting discipline. Terry explains why home inspections, roof quality assessments and detailed submission reviews are essential to building a portfolio that lasts. SageSure avoids loosening standards even when others temporarily underprice the market. This protects homeowners from instability and ensures that the company can keep supporting communities year after year.

Why SageSure is acquiring Olympus

Rob and Lee explore the recent announcement that SageSure will acquire Olympus MGA and related entities. Terry explains that Olympus fits naturally into SageSure’s strategy because of its strong agent relationships and similar underwriting philosophy. The acquisition strengthens SageSure’s position in Florida and aligns with the company’s long term mission to provide reliable capacity to catastrophe exposed areas rather than pull back during tough times.

Technology that strengthens judgment

Terry discusses how SageSure uses technology in a practical and focused way. The company invests in property data, risk models and workflow tools that improve accuracy rather than creating noise. These solutions streamline the submission process, support underwriters and give partners clear insights into changing conditions. Terry makes it clear that technology is most effective when it enhances human judgment rather than replaces it.

A clear vision for the future of coastal insurance

Terry closes with a realistic view of what lies ahead. Climate volatility is increasing. Reinsurance pressure is real. Yet Terry remains confident that coastal insurance can be sustainable when companies are disciplined, thoughtful and committed to the customers they serve. SageSure’s trajectory reflects that belief, combining measured growth with an enduring commitment to communities that rely on dependable coverage.

Listeners leave with a strong understanding of why SageSure continues to expand in high risk regions, how disciplined underwriting supports market stability and why the company remains committed to coastal America even as others step back.

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