Property Treaty

Provides coverage to a client’s subset of particular risks involving individual policies or locations issued from our insurance partners. This form of excess of loss treaty can cover varied portfolios from personal lines to commercial property to energy exposures and is subject to a specified limit. Coverage is provided for various exposures including the perils of fire, explosion, collapse and natural catastrophes. With our technical underwriting approach and focus on servicing our clients, the team has established many long-standing relationships.

Assumes a proportion of the client’s primary risks and can include catastrophe and non-catastrophe exposure. There are several potential benefits to the ceding company for choosing to place a pro rata treaty, such as entrance to a new line of business, catastrophe protection, improving financial rating or replenishing surplus. Our client-focused approach delivers a consistent structuring methodology to retain clients for the long term.

This coverage can take many different forms, from catastrophe event driven covers to conflagration only per risk aggregate treaties. These treaties can support a company’s desire for financial stability while focusing on reducing frequency and loss volatility. Our team understands the special structuring for these covers which is vital to make sure solutions are put in place to withstand any economic spikes.