Core Programs
Core Programs is a private boutique insurance program administrator, founded in 2010 and based in Morristown, NJ, that underwrites Admitted and E&S commercial package policies for habitational and mixed-use risks on behalf of A- rated carriers, distributing exclusively through appointed independent insurance agents and brokers.
- Company typePrivate
- Founded2010
- HeadquartersMorristown, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Core Programs does
Core Programs is a privately held boutique insurance program administrator founded in 2010 and headquartered in Morristown, New Jersey. The company specializes exclusively in underwriting commercial package policies for habitational and habitational mixed-use risks, serving licensed insurance agents and brokers who need access to A-rated markets for residential and mixed-use property coverage. It operates two core products: an Admitted Habitational product backed by an A- (Excellent VII) AM Best rated carrier, and an E&S (Excess and Surplus) Habitational product rated A- (Excellent VIII), enabling the firm to address both standard and complex non-admitted habitational risks through a single distribution relationship. The carrier panel spans Granada Indemnity, Clear Blue Insurance, Clear Blue Specialty Insurance, State National Insurance, and United Specialty Insurance.
The company is closely operationally tied to Swyfft, LLC, which provides the technology backbone including an in-house Claims Center, online quote submission, and shared Terms of Use and Privacy Policy governance. Core Programs distributes exclusively through its Agency Resource Center, where appointed agents can quote online, via downloadable ACORD forms, or through email blasts to multiple carriers. Internally, the firm maintains segregated underwriting functions for new business, renewals, and inspection review, supported by accounting and underwriting assistant roles. Leadership consists of co-founder Sean Maher and President Richard Trezza, alongside a named operational team of approximately 16+ specialists.
The business model is managed-services-based: Core Programs earns commissions and administrative fees on premium placed through its carrier panel, with revenue mechanics tied to underwriting volume, policy retention (cited at 85%), and agent satisfaction (cited at 92%). The firm claims 30% faster underwriting turnaround versus traditional carriers and emphasizes flexible underwriting, competitive pricing, and broad habitational coverage as its core value proposition. There is no evidence of external venture capital or private equity involvement, and no disclosed revenue or premium volume figures, suggesting organic, self-funded growth over a 14-year operating history.
Core Programs firmographics
Firmographics- Name
- Core Programs
- Legal name
- Core Programs
- Website
- https://core-programs.com
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Core Programs is a private boutique insurance program administrator, founded in 2010 and based in Morristown, NJ, that underwrites Admitted and E&S commercial package policies for habitational and mixed-use risks on behalf of A- rated carriers, distributing exclusively through appointed independent insurance agents and brokers.
- Ownership category
- akta.pro rank
Core Programs industry classification
Industry- Product category
- Commercial Habitational Insurance
- NAICS
- All Other Insurance Related Activities (524298), Other Insurance Related Activities (52429)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Construction Specialty (Wrap-Ups/Builders Risk/Contractors) (FSAJAGAH)
Keywords
Where Core Programs is headquartered
LocationHeadquarters
- HQ city
- Morristown
- HQ country
- United States
- HQ region
- North America
Markets served
Core Programs business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Insurance Program Administration: Core Programs acts as a boutique program administrator specializing in underwriting commercial package policies for habitational and habitational mixed-use risks. The company earns revenue through insurance program administration, providing coverage products that are competitive with market conditions while delivering service to insurance agents and their policyholders.
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
Core Programs product offering
Product offeringCore offering
Core Programs is a boutique insurance program administrator that underwrites and administers commercial package policies for habitational and habitational mixed-use risks (apartment buildings, condominiums, mixed-use properties). The company connects licensed independent insurance agents and brokers with A-rated admitted and Excess & Surplus (E&S) carriers, providing flexible underwriting, competitive pricing, and broad coverage designed for current market conditions.
Product overview
Core Programs is a boutique program administrator offering a unified platform for commercial package insurance products focused on habitational and habitational mixed-use risks. The company provides two core products: Admitted Habitational and E&S (Excess and Surplus) Habitational coverage, both rated A- by AM Best. These products work together to serve the full spectrum of habitational insurance needs—from standard admitted market coverage to complex non-admitted E&S risks—through flexible underwriting, competitive pricing, and broad coverage designed for current market conditions.
Differentiator
Problem solved
Functional benefit
Products and services
- Admitted Habitational Admitted insurance coverage for habitational risks, rated A- (Excellent VII) by AM Best, providing competitive admitted-market coverage for apartment buildings and habitational mixed-use properties. Sold to independent insurance agents and brokers who place coverage for their commercial property clients.
- E&S Habitational Excess and Surplus (E&S) insurance coverage for habitational risks, rated A- (Excellent VIII) by AM Best, offering non-admitted market solutions for complex habitational risks that do not fit standard admitted forms. Sold to independent insurance agents and brokers.
Quantifiable outcome
- 92% customer satisfaction rate
- +2 more outcomes
Companies that use Core Programs
Customer profileNamed customers3 records
Segments1 record
Ideal customer profiles1 record
Core Programs technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
Core Programs partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- Swyfft, LLCcoreSwyfft provides the technology platform for Core Programs including the in-house Claims Center and online claims reporting. Core Programs and Swyfft operate together under shared Terms of Use and data security practices.
- Granada Indemnity CompanycoreA-rated insurance carrier for which Core Programs administers habitational insurance products. Claims are managed through Swyfft's in-house Claims Center.
- Clear Blue Insurance CompanycoreInsurance carrier partner offering habitational insurance coverage through Core Programs' administration. Claims managed through Swyfft's in-house Claims Center.
- Clear Blue Specialty Insurance CompanycoreSpecialty insurance carrier partner for Core Programs' habitational coverage products. Claims handled through Swyfft's in-house Claims Center.
- State National Insurance CompanycoreInsurance carrier partner for Core Programs' commercial habitational products. Claims processed through Swyfft's in-house Claims Center.
- United Specialty Insurance CompanycoreSpecialty insurance carrier providing coverage for Core Programs' habitational insurance products. Claims managed through Swyfft's in-house Claims Center.
Scale indicators4 records
Recent moves5 records
Expansion highlights3 records
Core Programs competitors and assessment
Company assessmentMarket position
Competitive moat4 records
Key highlights6 records
Customer concentration
Core Programs financial estimates
Financial estimateRevenue estimate
Valuation estimate
Core Programs leadership team
Management profileNumber of profiles
Profiles18 records
Core Programs funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Core Programs M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Core Programs
What does Core Programs do?
Core Programs is a boutique insurance program administrator that underwrites and administers commercial package policies for habitational and habitational mixed-use risks (apartment buildings, condominiums, mixed-use properties). The company connects licensed independent insurance agents and brokers with A-rated admitted and Excess & Surplus (E&S) carriers, providing flexible underwriting, competitive pricing, and broad coverage designed for current market conditions.
Is Core Programs a public or private company?
Core Programs is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Core Programs founded?
Core Programs was founded in 2010. It employs 51 to 100 people.
Where is Core Programs based?
Core Programs is headquartered in Morristown, United States, in the North America region.
How does Core Programs make money?
One revenue line is on record: insurance Program Administration.
Does Core Programs have an API?
No public API is recorded for Core Programs.
What industry is Core Programs in?
Core Programs's product category is Commercial Habitational Insurance. Its primary akta.pro industry code is FSAJAGAH, Construction Specialty (Wrap-Ups/Builders Risk/Contractors). Its NAICS code is 524298 and its SIC code is 6411.