Property

One of United's areas of specialty is the so-called "buffer" layer on captive property programs. This is the area immediately excess of captive retentions or above policy deductibles.

In today's market, reinsurers and/or insurers, require that organizations retain more risk, either at the corporate or the captive level. Re/insurers wish to extract themselves from the area of attritional losses and concentrate their capacities at the levels of attachment which are subject to "shock" losses only. Often, these mandated increases in retention can be a multiple of what previously existed and present CFOs and Risk Managers with increased uncertainty due to greater risk-taking.

United can aid the captive in its transition to ever increasing risk-taking by providing reinsurance capacity at this critical level. United provides "buffer" reinsurance capacity of up to $10.0m on property programs, either on a Layered or Quota Share basis. United focuses on accounts which meet HPR standards and have a proven track record in both loss prevention and risk management techniques. It is this risk selection that has enabled United to successfully underwrite what has historically been a difficult area for the traditional market.

• Underwriting Information
• Solution diagrams