Our Services - Miniter Group
We provide insurance services for consumer, commercial, and residential loan portfolios.
Consumer Loan Portfolio, Commercial Loan Portfolio, Residential Loan Portfolio, Loan Servicers, Compliance Officers, Loan Portfolio Managers
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Our Services

We Bring New Thinking to Loan Portfolio Insurance


Our state-of-the-art insurance tracking technology and extensive expertise in lender-placed and VSI blanket auto insurance allow us to successfully transfer lenders’ uninsured collateral risk.


Ten years of research has resulted in a corporate vision we call Borrower CentricSM.  This is an operational methodology which allows us to fine-tune the trade-off between protecting your collateral and ensuring that your borrower relationship remains intact.



Successfully transferring uninsured collateral risk for our lender partners requires that we do three things very well:


  1. We must understand the risks associated with the type of lending portfolio we are insuring.
  2. We must take a monolithic commercial insurance policy and customize it using carefully crafted endorsements so that all portfolio, compliance and operational risks are addressed.
  3. We must utilize state-of-the-art technology to efficiently transfer the portfolio’s risk to the customized insurance policy.


In order to meet all three requirements, we continuously listen to our customers to learn their needs and build the best possible delivery technology and features that satisfies those needs. You can learn more about these systems below and you can also choose to explore our services by loan portfolio category further down.



Our Services by Delivery Type:

Outsourcing Your Tracking to Miniter (OST)

When you choose Miniter as your lender-placed insurance tracking partner, we ensure compliance by following carefully designed and vetted processes, and employ a Borrower-CentricSM approach.  This means we treat your borrowers (or, your members, in the case of credit unions) like you treat them.

Learn More About OST Trough Miniter
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Write Your Own (WYO)

Our WYO solution is a web-based insurance placement system that is designed to integrate into a lender’s existing insurance tracking system workflow. WYO is an easy-to-use system that automates the placement, cancellation, billing, and compliance notifications associated with force-placing insurance.

Learn More About Our WYO Service
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Track Your Own (TYO)

If you prefer to track insurance in-house, but your information systems are not optimized for it, Miniter’s Track Your Own force-placed insurance tracking solution may be the right fit.  This system provides the full functionality of our outsource insurance tracking technology in your loan servicing department.

Learn More About Our TYO Service
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Claims & Lien Holder Services

Claims service is critical to the operational efficiency of transferring collateral risk.  Miniter Group has invested in state-of-the-art claims processing for force-placed hazard and flood insurance, as well as blanket VSI.  In addition, we offer debt cancellation claims processing services to increase your per-claim recovery and reduce your net charge-offs.

Learn More About Our Claims & Lien Holder Services
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Our Services by Loan Portfolio Type:

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Consumer loan portfolios require alternative approaches when it comes to collateral risk transfer, particularly due to the difference in risk between HELOC and vehicle portfolios. We offer customized solutions for both VSI and Blanket Hazard Insurance.

Learn More

Residential loan portfolios represent the largest asset class in non-commercial banks and credit unions.  We offer a host of customized services and decades of expertise to protect these portfolios at reasonable cost.

Learn More
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Transferring commercial collateral risk requires a careful balance between protecting your portfolio and providing each one of your commercial borrowers with the kind of customer service that safeguards your relationship with them. We offer multiple risk transfer solutions coupled with a Borrower-CentricSM approach to meet these  requirements.

Learn More