Treaty Reinsurance
Treaty reinsurance provides long-term risk-sharing agreements between insurers and reinsurers, offering consistent coverage across a portfolio of policies to enhance underwriting capacity and financial stability.
Treaty reinsurance provides long-term risk-sharing agreements between insurers and reinsurers, offering consistent coverage across a portfolio of policies to enhance underwriting capacity and financial stability.
Treaty reinsurance allows insurers to automatically cede a portion of their risk portfolio to a reinsurer under a pre-negotiated contract. This structured arrangement enables insurers to underwrite more policies, manage capital more efficiently and stabilize their financial performance. By spreading risks across multiple policies, treaty reinsurance ensures long-term sustainability and compliance with regulatory solvency requirements.
At Edme Insurance Broker, we help insurers design and negotiate treaty reinsurance programs that align with their business goals, optimizing capital and mitigating exposure to high-severity claims.
Proportional treaties (quota share & surplus share): The insurer and reinsurer share premiums and claims in a fixed ratio.
Non-proportional treaties (excess of loss & stop loss): The reinsurer covers claims above a certain threshold, protecting against catastrophic losses.
Unlike facultative reinsurance, which covers individual risks on a case-by-case basis, treaty reinsurance provides automatic coverage for a portfolio of policies under a long-term agreement.
Contact us to get in touch with an industry or risk subject matter expert, learn more about a specific solution or submit a sales/RFP inquiry.
Contact UsRegistered Office: 2nd Floor, Privillion, East Wing, Sarkhej - Gandhinagar Highway, Vikram Nagar, Bodakdev, Ahmedabad, Gujarat 380054. IRDAI License Number: 146 | Composite Broker | License Valid till: 9th April, 2027 | CIN: U99999GJ2001PLC062239 Corporate Office: VIOS Tower, 6th floor, Off Eastern Express Highway, Sewri - Chembur Rd, Mumbai – 400037 Telephone: 1800 120 2510 | Website: www.edmeinsurance.com In case of any queries/complaints/grievances, please write to us at clientfeedback@edmeinsurance.com.