What began as a casual chat at a conference booth turned into a lesson in efficiency, technology, and perfect market competition applied to real estate insurance.
At an event where nearly every booth seems to promise the same thing — better rates, faster closings, more tech — it’s rare to stumble upon something truly different. But that’s exactly what happened at the IMN conference in Miami, during a conversation with Scott Phillips, Senior Vice President of Strategic Partnerships & Digital Integrations at SES Risk Solutions.
What I thought was just another insurance provider turned out to be something else entirely.
“So, you sell insurance?” I asked, almost out of courtesy.
Scott smiled, the kind of smile you give when you’ve heard that question a hundred times before.
“We sell efficiency. Insurance is just the vehicle.”
That was my first clue that this wasn’t going to be a standard pitch.
A Policy Built for Private Lending
As we spoke, Scott explained that SES doesn’t offer a generic, one-size-fits-all policy. Instead, their product is purpose-built for the real estate investment space, specifically for the dynamics of private lending.
“There’s no point in applying traditional insurance logic to fix-and-flips, rehab properties, or scaled investors,” he said. “Our policy is engineered for that profile, for that risk model.”
Unified Policy, Smart Market Competition
SES issues a unified master policy that’s visible to the lender or investor. Behind the scenes, multiple insurance carriers compete to provide the actual coverage. This approach ensures that investors receive the best pricing and terms, without the hassle of manual quote comparisons.
Scott summed it up clearly:
“Instead of handing a borrower ten generic policies that don’t really fit, we deliver the one that does, tailored for private real estate investors. Pricing is optimized automatically, based on what each carrier can offer at that moment. So you get the right coverage, at the best price, without all the back-and-forth.”
The system is designed to simplify life for both investors and originators: no messy forms, no endless email threads. Just one streamlined workflow.
Technology That Fits Your Workflow
What impressed me most was how SES doesn’t just offer a good product, they embed it directly into the daily systems Loan Officers use. Their platform integrates with origination systems, CRMs, and internal dashboards, allowing users to quote, issue, and manage policies in real-time, all within their existing workflow.
“A Loan Officer shouldn’t have to become an insurance expert. They should be able to issue coverage with a click and move on.”
The platform uses smart data to analyze the property, investor profile, and loan characteristics, then assigns the most appropriate coverage from the optimal provider.
Faster Closings, Less Friction
In practical terms, this translates to:
- Loan Officers who close more deals, faster.
- Investors who get better terms, with less effort.
- Builders and funds who scale without insurance delays.
“When insurance stops being a bottleneck, it becomes a strategic advantage. That’s what we bring to the table.”
What started as a hallway conversation turned into one of the most insightful moments of the event. SES isn’t in the business of traditional insurance. They’re in the business of making private lending operate more smoothly.
And in a world where every day of delay costs money, that makes all the difference.
Scott Phillips
Senior Vice President of Strategic Partnerships & Digital Integrations SES Risk Solutions
Scott leads SES’s Alternative Channel Business Unit with a strong focus on building digital distribution partnerships that use SES technology to deliver innovative risk solutions for real estate investors. He brings deep experience from both the Financial Services and Insurance sectors, developing tech-based solutions for mortgage servicers, brokers, and investors. Scott holds a BA from Chapman University and an MBA in Finance from Pepperdine University’s Graziadio School of Business.