Shared Risk Arrangements

Excess Reinsurance is a pioneer in the formation, underwriting, and administration of consortium products. For more than three decades, we’ve created dozens of distinctive programs that assist employers, brokers, advisors, and underwriters in their efforts to manage and share risk.

How It Works

It starts with a comprehensive evaluation. After assessing the challenges and opportunities at hand, Excess Reinsurance works with partners to develop a range of carefully curated solutions. In one instance, a consortium coupled with a profit sharing arrangement might be optimal. In the next, a captive program makes the most sense.

Whatever the specifics, Excess Reinsurance’s partners benefit from our years of experience, our fresh approach to complex scenarios, and our unique partner: Argo Capital Group, Ltd., a Bermuda-based segregated cell company that gives Excess Reinsurance the resources needed to efficiently establish captive programs where appropriate.

Captive Alliance

One of our shared risk arrangement products is Captive Alliance. With Captive Alliance, groups can easily join a multi-group consortium without the complex legal framework typically associated with captives. Captive Alliance also provides groups with a smoother transition to a self-funded insurance plan. Groups experience the positives of being in a captive while erasing the overpriced premiums, additional fees and downside risk typically present in most traditional captive programs.

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Other Products

“Here at Excess Reinsurance, we specialize in the creation and management of multiple employer pools. By partnering with us, groups gain access to a range of unique stop-loss offerings which can only come from an organization with exceptional talent in its underwriting and actuarial departments.” Dan Rego, Senior Vice President