Explore Our Purchasing Programs
Explore our range of services designed to maximize subrogation recoveries through a customized claims handling and purchasing program.
What We Offer
We develop customized subrogation solutions tailored to each client's unique needs and objectives. Whether you require a fully outsourced subrogation program, the sale of select claim portfolios, or the acquisition of a single matter, we provide flexible, strategic solutions designed to maximize value and deliver results.
-
We can manage or purchase your entire subrogation portfolio, including both existing and future claims. Our solutions are fully customizable, whether you need comprehensive support across all lines of business or a targeted approach focused on specific lines, claim types, or calendar years of exposure.
-
We purchase select groups of claims or portfolios tailored to your objectives. Acquisitions can be structured around virtually any criteria, including claim value, target defendants, lines of business, geographic region, calendar year, or other portfolio characteristics. This flexible approach allows you to monetize specific segments of your subrogation portfolio while retaining the claims you choose to keep.
-
We purchase individual claims at any stage of the subrogation process, providing a solution for matters that require additional resources or have become time-consuming or difficult to resolve. Whether a claim is immediately post-loss, in pre-suit negotiations, or actively in litigation, we can evaluate and acquire it, allowing you to recover value while reducing administrative burden.
-
Not looking to sell your claims, but still need subrogation support? S3 is backed by a team of experienced subrogation professionals with extensive expertise across all lines of subrogation claims. Our specialists are complemented by a nationwide network of top-tier attorneys with the knowledge, resources, and litigation experience to pursue viable recovery opportunities efficiently and effectively. Together, we deliver comprehensive subrogation solutions designed to maximize recoveries for our clients.
Our Process
Initial Meetings
Together, we outline a path forward that’s realistic, strategic, and tailored to your specific needs.
Integrate Claims Technologies
Utilize proprietary algorithms and AI interface to review claims and build valuation mechanism.
The Human Eye
Technology is a tool, not a solution. S3 subrogation lawyers will review claims data to develop an understanding of the exposures.
The Offer
S3 will produce all data with full transparency. You will receive a no-risk offer outlining the purchase price for the exposures.
Predictability - Innovation - Efficiency -
Predictability - Innovation - Efficiency -
Bringing Predictability and efficiency to Subrogation Cash Flow
Subrogation recoveries represent a valuable financial asset for insurance carriers—but one with an inherently unpredictable timeline. A claim may resolve through negotiation in a matter of weeks, while another may require years of litigation before producing a recovery. This uncertainty can make it difficult for carriers to accurately forecast cash flow, establish recovery targets, and manage financial performance across reporting periods.
Subrogation Support Systems (S³) gives carriers greater control over when the value of their subrogation portfolio is realized.
Transform Uncertain Recoveries Into Predictable Cash Flow
By using S³ to scientifically value and monetize selected subrogation claims, carriers can convert uncertain future recovery opportunities into more immediate and predictable cash flow.
This provides carriers with a powerful financial management tool:
• Stabilize cash flow: Reduce the volatility created by unpredictable settlement and litigation timelines by converting selected future recoveries into current-period cash.
• Strategically manage financial periods: Carriers can choose when and how much of their eligible subrogation portfolio to monetize, providing greater flexibility in managing monthly, quarterly, and annual financial objectives.
• Improve forecasting: Replace uncertain recovery timing with greater visibility into expected cash flows, helping management more accurately plan budgets, allocate capital, and establish performance targets.
• Accelerate realization of value: Rather than waiting months or years for individual claims to mature, carriers can unlock the present value of selected claims when doing so best aligns with their broader financial strategy.
• Create portfolio flexibility: S³ does not require an all-or-nothing approach. Carriers can strategically select individual claims or portfolios for monetization based on their specific liquidity, operational, and financial objectives.
• Potential tax and capital-planning advantages: Accelerating or strategically timing recoveries may create tax, accounting, or capital-management opportunities depending on a carrier’s circumstances and transaction structure. These potential benefits should be evaluated with the carrier’s tax and accounting professionals.
Control the Timing of an Historically Unpredictable Asset
Traditional subrogation forces carriers to accept uncertainty: you know recoveries are coming—you simply may not know how much or when.
S³ changes that dynamic.
By providing a mechanism to scientifically value and monetize future subrogation recoveries, S³ allows carriers to make strategic decisions about when to realize value, helping transform subrogation from an unpredictable source of future recoveries into a more manageable component of corporate financial planning
Let’s Work TogetherIf you're interested in working with us, complete the form with a few details about your portfolio of claims. We'll review your message and get back to you within 48 hours.