At Total Risk Managers, we are global leaders in reinsurance broking, offering expert solutions that empower insurers to manage their risks effectively. From traditional treaty reinsurance to flexible casual treaty arrangements, we provide tailored strategies that align with the unique needs of your business.
What is Reinsurance Broking?
Reinsurance broking involves acting as an intermediary between insurers and reinsurers. At Total Risk Managers, we help insurers secure reinsurance agreements that optimize coverage, manage risk exposure, and enhance financial resilience. Our team works closely with you to understand your risk profile and connect you with leading reinsurers worldwide, ensuring competitive terms and unparalleled service.
Treaty Reinsurance vs. Casual Treaty Reinsurance
Treaty Reinsurance
- A prearranged agreement covering a specific portfolio of risks (e.g., motor insurance, property insurance).
- Operates under fixed, standardized terms and conditions.
- Provides predictable and consistent coverage, ideal for insurers with stable and well-defined risk categories.
- Example: An insurer agrees to cede all risks related to their homeowner's insurance portfolio to a reinsurer under agreed terms.
Casual Treaty Reinsurance
- A more flexible form of treaty reinsurance, designed to accommodate varying or unconventional risk portfolios.
- Allows insurers to reinsure a mix of risks or adjust terms as needed to address evolving market conditions or unique requirements.
- Particularly useful for emerging risks or non-standard policies.
- Example: An insurer with a diverse portfolio that includes niche or specialized risks opts for a casual treaty to ensure tailored reinsurance support.
Comprehensive Reinsurance Treaty Options
Our treaty reinsurance solutions are designed to meet a variety of risk-sharing needs:
- Quota Share Treaties: In this arrangement, the primary insurer and reinsurer share premiums and losses in a fixed proportion. This is an excellent option for insurers looking to distribute risk evenly while maintaining proportional exposure.
- Surplus Treaties: Ideal for policies with higher sums insured, surplus treaties allow insurers to retain a predefined amount of risk and cede the remainder to reinsurers. This provides flexibility and ensures coverage for large, exceptional risks.
- Excess of Loss Treaties: Designed to protect insurers against catastrophic losses, excess of loss treaties provide coverage when claims exceed a specified threshold. This non-proportional treaty is particularly useful for managing extreme or unexpected losses.
- Stop Loss Treaties: A safeguard against aggregate losses, stop loss treaties come into effect when the total claims during a specific period exceed a certain percentage of premiums. This approach ensures overall portfolio stability and protects against unusual spikes in claims frequency or severity.
Why Choose Treaty Reinsurance?
Our treaty reinsurance solutions are designed to meet a variety of risk-sharing needs:
- Risk Distribution: Reduces the financial impact of large or frequent claims by sharing risk with reinsurers.
- Capacity Expansion: Enables insurers to underwrite more business or higher-value policies without overextending their resources.
- Predictable Cash Flow: Ensures stable financial performance by limiting exposure to adverse claims outcomes.
- Regulatory Compliance: Helps insurers meet solvency requirements and maintain regulatory compliance by improving capital adequacy.
Why work with us
Global Reach
Industry Expertise
Customized Solutions
Proactive Risk Management
Secure Your Future with Total Risk Managers
At Total Risk Managers, we are committed to helping insurers navigate the complexities of risk management. Whether you need traditional treaty reinsurance or the flexibility of a casual treaty arrangement, our experts are here to deliver innovative, tailored solutions.