Comprehensive Risk Transfer Solutions

Tailored reinsurance structures for regional US carriers, specialty writers, and admitted insurers – across Treaty, Facultative, Strategic Advisory, and Specialty Lines.

TREATY REINSURANCE

Portfolio-Level Protection for Regional US Carriers

Treaty reinsurance governs the automatic cession of risk from a cedant’s book of business. We design and place treaty programs that balance premium cost, capital relief, and catastrophe protection – calibrated to each carrier’s portfolio profile and NAIC regulatory capital requirements.

Quota Share Treaties

Proportional structures sharing premium and loss in agreed ratios. Particularly effective for growth-stage carriers managing premium-to-surplus ratios or entering new lines of business.

Surplus Share Treaties

Variable cession linked to policy size, providing cedants flexibility on retaining smaller risks while ceding larger exposures to treaty reinsurers.

Excess of Loss (XL) - Per Risk

Protects the cedant against severity on individual risks exceeding a defined retention, covering individual large losses within the portfolio.

Excess of Loss - Per Occurrence (Cat XL)

Catastrophe protection triggered by aggregate losses from a single occurrence – essential for carriers with geographic concentration in CAT-exposed territories.

Aggregate Excess of Loss

Covers the cedant when total annual loss experience – net of per-risk retentions – exceeds a defined aggregate deductible. Effective for frequency-driven lines such as personal auto or homeowners.

Stop Loss Treaties

Broader portfolio protection capping the cedant’s combined loss ratio, offering earnings stabilization across volatile underwriting years.

FACULTATIVE REINSURANCE

Individual Risk Placement for Complex Exposures

When treaty capacity is insufficient, excluded, or unavailable for specific risks, facultative reinsurance provides an individually negotiated solution. Our facultative desk has direct access to domestic surplus lines carriers, Lloyd’s syndicates, and international markets.

Property Facultative

High-value commercial property, industrial facilities, and complex real estate risks requiring individual market evaluation and tailored capacity.

Casualty Facultative

Large general liability, umbrella, and excess exposures – including construction, habitational, and large commercial accounts excluded from treaty scope.

Excess of Loss (XLSpecialty Facultative) - Per Risk

Individual placements for Cyber, E&O, D&O, Environmental Liability, and other specialty lines requiring bespoke underwriting and market negotiation.

Marine & Energy

Hull, cargo, and energy risks placed through Lloyd’s and specialized international reinsurers, with full access to the BharatRe Global marine desk.

Under Pennsylvania law, a Reinsurance Intermediary Broker is required to maintain fiduciary accounts, carry errors and omissions (E&O) coverage, and operate with full disclosure to both cedant and assuming insurer. We meet and exceed each of these requirements.

STRATEGIC ADVISORY

Capital Intelligence & Portfolio Optimization

Beyond placement, we provide the analytical framework US carriers need to make informed capital decisions – connecting actuarial modeling, catastrophe analytics, and regulatory capital requirements.

Catastrophe Modeling

Analytics leveraging RMS Risk Link and AIR Touchstone platforms to quantify CAT exposure and inform excess of loss tower structuring and retention optimization.

Capital Modeling

Actuarial assessment of how alternative reinsurance structures impact Risk-Based Capital (RBC) ratios and NAIC capital adequacy thresholds.

Program Review & Gap Analysis

Independent assessment of existing treaty programs to identify coverage gaps, over-reinsurance, and structural inefficiencies – with actionable recommendations.

Portfolio Optimization

Line-of-business profitability analysis informing reinsurance buying strategy, premium allocation, and ceded loss ratio management.

SPECIALTY LINES

US-Market Specialty Reinsurance

The US specialty market demands precise underwriting expertise and access to increasingly selective reinsurance capacity. We provide both – through dedicated specialist resources and global market relationships.

Cyber Reinsurance

Treaty and facultative solutions for cyber liability writers navigating aggregation, systemic risk, and rapidly evolving loss trends. Access to dedicated cyber reinsurance capacity across domestic and Lloyd’s markets.

Professional Liability (E&O / D&O)

Quota share and XL structures for professional lines writers, including management liability and technology E&O – calibrated to US judicial risk and claims severity trends.

Surety Reinsurance

Proportional and excess arrangements supporting contract, commercial, and fidelity bond writers, with deep understanding of US surety market dynamics and obligee requirements.

Agriculture Reinsurance

Reinsurance support for Multi-Peril Crop Insurance (MPCI) writers and private crop hail markets, including FCIC-compliant structures for Standard Reinsurance Agreement (SRA) participants.