Appetite guide

What we don’t do

In simple terms, we don’t underwrite risks that blow up, burn down, or blow away. We believe that captives aren’t a good home for difficult to place, distressed or highly volatile risks, or for clients who regularly make lots of and/or large claims. Nobody makes a profit.

We look for clients that can demonstrate they’re good and not just lucky. Our underwriting process is prudent and rigorous. Although additional exclusions may apply for specific trade sectors and lines of business, there are a number of things we don't do.

These are general examples:

Asbestos and/or radon abatement

Automotive and aviation (safetyn critical)

Chemical manufacturing, transportation andn storage

Demolition and salvage

Emerging risks, including AI andn cannabis

Employee leasing, PEOs and temporaryn staff

Environmental impairment andn pollution

Explosives, fertilizers, fireworks, guns andn munitions

Mining andn minerals

New York contractors

Oil and gas production andn offshore

Pharmaceuticals

Tier 1 catastrophe propertyn risks

What we do

Agriculture

Agricultural and horticultural property and general liability

Examples

Cotton and wool (GL only)
Farms, including livestock
Fisheries and forestry
Flowers
Grain and feed manufacturing (GL only)
Vegetables, fruits and nuts
Wineries and vineyards

Construction

Construction general liability

Examples

Commercial and industrial building
Concrete, poured and precast
Drywall and insulation
Electrical
Flooring
Framing
Glass and glazing
Housing, single-and multi-family
Masonry and carpentry
Painting and decorating
Plumbing and HVAC
Roofing Structural steel
Specialty trades

Excluding civil engineering, OCIPs and builder’s risk

Food and drink

Food and drink sector property and general liability

Examples

Bottling
Canning
Fruit or vegetable products
Grain and field crops, GL only
Manufacture
Meat, fish, poultry and seafood
Packing

Healthcare

Care sector professional and general liability, and property

Examples

Acute and urgent care
Doctor, dental and other
Healthcare systems
Independent and assisted living
Nursing homes
Physician groups
Skilled nursing facilities

Excluding invasive/surgical risks

Hospitality and leisure

Hospitality and leisure property and general liability

Examples

Hotels and motels
Country and golf clubs
Restaurants and bars

Manufacturing

Manufacturers' property and general liability

Examples

All kinds of production line manufacturing, including consumer, commercial and industrial goods.

Real estate

Property owners and managers' property and general liability

Examples

Apartment buildings and condominiums
Habitational
Landscaping
Property management and real estate agents

Excluding Tier 1 catastrophe property risks

Retail and wholesale

Retailers and wholesalers' property and professional and general liability

Examples

Convenience and drugstores
Distribution centers
Dealers and distributors
Importers and exporters
Internet retailers
Shopping outlets and department stores

1

Get an illustration

  • Only very basic information is required. We will quickly work up an illustration, with a profit projection.

    This establishes the business case first, and ensures you don’t waste your time doing any unnecessary work.

Get our application form download

2

Get captive ready

  • Work with a captive manager to understand what’s involved and the decisions that need to be made. This includes things like:

    • What’s the captive going to be called?

    • Who’s going to own and control it?

    • Which advisers are required?

3

Get a quote

  • All the information you provide directly impacts the insurance premium and how much goes back to the captive.

    It’s a real underwriting process – you can talk directly to the underwriting team, who take an individually tailored approach to provide the:

    • Insurance quote

    • Reinsurance quote

    • Profit projection

Get in touch

We get it

  • Launched back in 2019, RE–PAID was the first turn-key US P&C mid-market captive product.

  • Every year since launch, I–RE has achieved market recognition as an award finalist and winner.

    Underwriting solution of the year
    2025 Captive Review US Awards

    E&S Underwriting team of the year
    2024 Insurance Insider US Awards

    Underwriting solution of the year
    2024 Captive Review US Awards

    Underwriting solution of the year
    2023 Captive Review US Awards

    Program launch of the year
    2022 The Insurer Program Manager Awards

    Reinsurance firm of the year
    2021 Captive International US Awards

    Insurance solution of the year
    2020 Captive Review US Captive Awards

    Insurance underwriting team of the year
    2020 Business Insurance US Insurance Awards

    MGA initiative of the year
    2019 Insurance Day London Market Awards

    Innovative ART structure/new risk placement
    2019 Captive Review US Captive Awards

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If you don’t, your competitors will