Hamish Mackay is an insurance entrepreneur, and Transportation Insurance Specialist with experience spanning retail brokerage, wholesale distribution, program development, MGA operations, and specialty risk management.
Hamish began his career in the insurance industry in 2015, developing a specialization in commercial transportation and trucking insurance. Over the course of his career, he has developed extensive experience in Auto Liability, Auto Physical Damage, Motor Truck Cargo, Occupational Accident, Excess Liability, and other specialty transportation coverages.
His career has been built around developing insurance solutions for complex and difficult-to-place commercial risks. Rather than approaching insurance as a generalist, Hamish has focused on developing a deep understanding of specific industries and their underlying exposures. His transportation expertise has given him a detailed understanding of trucking operations, fleet exposures, loss drivers, claims severity, regulatory considerations, and the factors that ultimately influence underwriting profitability.
Hamish has developed and maintained relationships throughout the U.S. insurance market, MGA community, wholesale brokerage market, and Lloyd's of London, working with carriers, MGAs, program administrators, reinsurers, and specialty-market principals. These relationships have allowed him to develop and structure specialized insurance programs designed around specific classes of business and underwriting objectives.
His experience extends beyond insurance distribution into program development and underwriting, including the development of specialty liability programs and excess liability products. His underwriting philosophy emphasizes disciplined risk selection, appropriate attachment points, quality underlying insurance carriers, claims management, and careful consideration of severity exposure.
Hamish believes that successful specialty underwriting requires more than simply establishing a rate. It requires understanding what is being insured, why losses occur, how the underlying coverage is being managed, and where the potential for severity exists. This philosophy has shaped his approach to excess liability underwriting and his focus on building programs that can produce sustainable underwriting results rather than pursuing premium volume alone.
He has also been involved in exploring and developing alternative insurance structures, including reinsurance arrangements, risk-retention structures, TPA relationships, London-market capacity, and MGA platforms. This experience provides him with a perspective that extends across the insurance value chain—from the insured and retail broker through the wholesale intermediary, MGA, carrier, reinsurer, and claims operation.
At Partnersure, Hamish's focus is on applying this experience to the development of profitable, disciplined specialty insurance programs. His approach combines entrepreneurial business development with underwriting discipline, with an emphasis on building strong distribution relationships, identifying attractive niches, developing appropriate market capacity, and maintaining control over the quality of the risks entering a portfolio.
Hamish's philosophy is straightforward: understand the class of business deeply, select the right risks, build the right insurance structure around them, and create long-term relationships with the markets and distribution partners necessary to support profitable growth..
