Property
Through four different underwriting schemes, we can provide property solutions by offering capacity for primary, buffer layers, and quota share structures, subject to territorial considerations.
Property Primary Business (Primary and buffer layers)
This portfolio focuses on property programs for primary structures, compressed buffer layers, and captive protection programs that achieve a target Rate on Line (RoL)
- Product Lines: Property (LCF) and Energy
- Territoriality: Worldwide
GENERAL PROPERTY (LCF)
Scope: Non–energy risks, including traditional property sectors (e.g., paper mills, hotels, manufacturing, food, processing).
Eligibility Criteria: Must meet 2 of 3 requirements:
- Total Insured Value equal to or greater than USD 1Bn
- Geographic dispersion across two or more CAT accumulation zones
- Multiple locations with the highest-value location exceeding or at USD 100M
Limitations: Structures (primary/buffer) and RoL remain Key constraints
ENERGY
Scope: Broadly defined to include power generation, T&D (transmission and distribution), oil & gas, chemical/petrochemical, and mining (underground and open pit).
Limitations: Excludes standalone upstream activities. Structures (primary/buffer) and RoL remain key constraints.
Traditional Fac. (Quota Share & Excess of Loss)
This portfolio focuses on general property programs QS and XoL structures. This portfolio works separately from the LCF book, meaning that we can deploy additional capacity in the same risk but in different layers.
Traditional Fac Latam & Caribbean
Target Market: Small/medium/large industries for QS (Quota Share) lines or XoL (Excess of Loss) structures for medium-large accounts.
Structure Selection: Driven by exposure levels, values at risk, and insured activities. No minimum attachment point. For the Caribbean, strong preference for non-proportional structures.
Activities: Including but not limited to: Power generation, logistics, real estate, cold storage, hospitals, telecom, ports, retail, hospitality, airports, waste management, infrastructure, museums, schools, public transportation, metal foundries, tire/cement, manufacturing, food/beverage, tech, automotive, pharmaceuticals.
Territorial Scope: Latam, Caribbean, (Including English -Speaking Caribbean).
Excluded Activities: Oil & Gas, underground mining, agriculture, (cotton, grains, tabacco,). Wood/plastic/foam/cork production, pulp/paper/textiles, explosives.
Traditional Fac EMEA and APAC
Target Market: Small/medium/large industries for QS (Quota Share) lines or XoL structures for medium-large accounts.
Structure Selection: Driven by exposure levels, values at risk, and insured activities. No minimum attachment point.
Activities: Including but not limited to: Logistics, real estate, cold storage, hospitals, telecom, ports, retail, hospitality, airports, waste management, infrastructure, museums, schools, public transportation, metal foundries, tire/cement manufacturing, food/beverage, tech, automotive, pharmaceuticals.
Territorial Scope: EMEA and APAC.
Excluded Activities: Oil & Gas, power gen, underground mining, agriculture (cotton, grain, tobacco), wood/plastic/foam/cork production, pulp/paper, textiles, explosives.