Rokstone Launches Rokstone Velocity and Appoints Senior Casualty Specialists

Key Takeaways

• Rokstone Velocity targets US digital mobility liability risks.
• Andrew Cooper leads division with 25 years insurance experience.
• Matt Higgins adds expertise in structured digital platform underwriting.
• ATOMX technology powers data-driven pricing and loss forecasting.
• Dedicated Lloyd’s-backed facilities provide long-term capacity.

Summary

Rokstone has launched Rokstone Velocity, a new division dedicated to underwriting complex casualty risks emerging from the digital economy, beginning with the U.S. market. The unit is led by Andrew Cooper, a veteran with 25 years of insurance experience, and senior underwriter Matt Higgins, who brings expertise in structured digital platform risk. Rokstone Velocity will focus on liability exposures tied to autonomous vehicles, electric fleets, sharing‑economy platforms and embedded insurance, leveraging the firm’s ATOMX data‑analytics ecosystem. Two Lloyd’s‑backed underwriting facilities provide long‑term capacity for these specialized programmes.

Pulse Analysis

The rapid expansion of autonomous vehicles, electric fleets and sharing‑economy platforms is reshaping liability exposure across the United States. Traditional insurers are pulling back due to regulatory uncertainty, limited loss data and rising social‑inflation pressures, leaving a capacity vacuum for sophisticated, data‑rich underwriting. Market participants are therefore seeking specialty partners that can model multi‑party, embedded risks and price them accurately, creating an opening for firms that combine technology with deep sector knowledge.

Rokstone’s response is the creation of Rokstone Velocity, a focused unit that brings together senior talent and proprietary analytics. Andrew Cooper, with a background in innovation and U.S. casualty, will steer underwriting strategy, while Matt Higgins adds hands‑on experience in structuring complex digital‑platform policies. The division’s ATOMX ecosystem converts unstructured loss information into actionable insights, enabling granular pricing, loss‑ratio forecasting and bespoke policy wordings for motor, general and umbrella liability. Backed by two Lloyd’s‑supported facilities and an A‑rated carrier, Rokstone Velocity can act as a lead or follow market, ensuring stable, long‑term capacity for high‑complexity programmes.

For brokers and insureds, the new division promises a disciplined, specialist approach rather than a volume‑driven chase. By aligning embedded insurance solutions with evolving liability structures, Rokstone Velocity positions itself as a go‑to partner for platforms that need multi‑party coverage and usage‑based pricing. The initiative signals broader industry movement toward niche, technology‑enabled underwriting and may accelerate capital allocation to digital‑mobility risk, influencing pricing dynamics and competitive positioning across the specialty casualty landscape.