Why Greenhouse
Grown differently, on purpose.
Greenhouse was built by underwriters with one conviction: doing business in insurance should feel simple, honest, and human again. It shapes how we handle every file.
Rooted in environmental solutions
Environmental casualty is not a sideline here; it is the whole practice. Our programs are designed from the ground up around pollution exposure and the contractors and consultants who live with it.
Creative, purpose-built underwriting
Nothing off the shelf. Coverage is tailored to fit the unique needs of each insured: structure, limits, and terms shaped to the operations, not forced into a form.
Service over submissions
We prioritize relationships, responsiveness, and results, not volume. We make commitments carefully, keep them completely, and give the brokers we work with real attention, account by account.
AI-enabled, human-led
Old-school underwriters empowered by modern technology. Our platform clears, triages, and accelerates, so humans spend their time underwriting, and answers come back faster.
The platform
Technology that serves the underwriter, not the other way around.
Our platform clears submissions, triages appetite, and drafts the routine work, so a human underwriter spends their time on judgment, structure, and the phone call that actually moves your account.
- Submissions cleared and triaged promptly; the goal is same-day
- Appetite answers as fast as we can get them, including an honest no
- Quotes structured by underwriters, accelerated by software
- A real person on every account, start to finish
The story
Two underwriters, one conviction.
Josh Rubin and Geoff Bernardo met studying risk management at VCU, came up together underwriting environmental and contracting risks at James River Insurance, and went on to run the general liability and environmental programs at a New York environmental MGA.
In 2025 they left to build the market they always wanted to trade with: a program administration platform where coverage is designed around the insured, brokers get real underwriter access, and technology makes people faster instead of replacing them. Within two months of launch, a national carrier rated A (Excellent) by AM Best signed on as carrier collaborator.
The name is the thesis. A greenhouse is where things grow on purpose: programs, and the underwriting talent behind them. Four programs are in market today; the platform was built to hold the next ones, and the people who bring them.
We're Greenhouse Specialty: a team that believes business should be honest, transparent, and deep rooted in relationships.
Sound like your kind of market?
We appoint a limited panel of brokers, and give every one of them undivided attention.