Sharing the upside

Software fees, evidence-service fees, commission, contingent compensation and risk participation are different economic arrangements. They require actual contracts, authority and conflict review. The earlier strategy notes proposed instruments; they do not establish agreed terms or insurer commitments. GROUNDED · Glacis

Compare the arrangement

Arrangement	Question to resolve
Software / evidence service	Buyer, scope, value, pricing, retention and support
Per-policy / usage fee	Defined unit, eligibility, reconciliation and payment obligations
Contingent compensation	Agreed performance measure, expenses, loss development, audit and conflicts
Quota-share participation	Share of defined premium/loss, capital, authority and contract
Sidecar / other risk vehicle	Structure, investors, period, capital, regulation and claims obligations

A quota share is proportional reinsurance under its contract. A sidecar is a vehicle for a defined risk participation. Neither creates a low-cost entitlement to capacity or removes insurance obligations. STABLE

Evidence before economics

Validate the technical result, reviewer utility and any loss relationship separately. A carrier profit-share statement is not by itself causal evidence that a control improved losses. Pricing a parametric trigger still requires probability, payout exposure, dependencies and basis-risk analysis. STABLE

Keep evidence verification and standard governance distinct from commercial preferences. A commercial relationship must not be described as conformance, endorsement or neutral independent review. The current OVERT arrangement is in independence and stewardship.

The proposed MGA or risk-participation option remains a strategic question, subject to qualified operators, approvals, capital, evidence and contracts. No exercise date, term, investor interest or commitment is established here. STABLE

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