Smarter Coverage to Increase Returns

Purpose-built insurance solutions for credit risk.

From mortgage insurance to credit default and income protection coverage, Harmonic designs and distributes the programs institutions use to manage risk and grow profits.

Insurance, Reimagined

Harmonic is an insurance innovator and an expert in insurance distribution. We're not a carrier — we're the team that designs, structures, and connects institutions to the right risk-transfer programs for their business.

Founded and led by Andrew Drake, Harmonic partners with lenders, investors, and institutions to bring smarter insurance solutions to market.

Mortgage Insurance

AgencyAlpha: Mortgage Insurance, Reimagined

AgencyAlpha is a private mortgage insurance solution that helps investors manage credit risk on residential mortgage loans — at a lower cost than legacy solutions. It's a smarter, more efficient way to protect against credit default risk on conforming mortgages.

Lower-cost credit protection

Built for conforming, low-risk mortgage portfolios

A more efficient alternative to legacy government programs

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Credit Default

Credit Default Insurance

Complementing AgencyAlpha, Harmonic's credit default insurance programs protect lenders and institutions against consumer credit default risk. These solutions help institutions manage exposure across their lending portfolios while continuing to grow with confidence.

Balance sheet protection

Risk transfer for consumer credit exposure

Supports continued lending growth

Income Protection

Supplemental Unemployment Insurance

This coverage provides borrowers and tenants with income protection or benefit continuity if they face unemployment — helping reduce delinquency and default risk before it starts.

Reduces credit risk exposure for institutions and property managers

Supports borrower and tenant financial stability

Helps prevent delinquency before it happens

Let's build the program your portfolio needs.

Tell us about your risk and we'll show you what smarter coverage looks like.