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.
Aircraft crews
Asbestos and/or radon abatement
Automotive and aviation (safety critical)
Cannabis exposures
Chemical manufacturing, transportation
and storage
Demolition and salvage
Emerging risks, including AI and cannabis
Employee leasing, PEOs and temporary staff
Environmental impairment and pollution
Explosives, fertilizers, fireworks, guns
and munitions
Mining and minerals
Motor racing events or contests
Mountain, ice and rock climbing
Nuclear exposures
New York contractors
Ocean marine risks and navigation of vessels
Oil and gas production and offshore
Pharmaceuticals
Pre-release and detention centers
Private passenger automobile rentals
Professional sports teams
Rail operators
Subaqueous work
Section 8 social housing
Taxis and public livery or “for hire”
Tier 1 catastrophe property 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
Building and allied trades
Contractors’ equipment and plant hire
Drilling and pile driving
Metal erection, welding or cutting
Utilities – water, gas and electrical
Excluding Civil engineering, OSIPs and builder’s risk
Food and drink
Food and drink sector property and general liability
Examples
Fruit or vegetable products
Grain and field crops, GL only
Meat, fish, poultry and seafood
Healthcare
Care sector professional and general liability, and property
Examples
Healthcare systems
Acute and urgent care
Skilled nursing facilities
Nursing homes
Independent and assisted living
Physician groups
Doctor, dental and other
Medical practices
Community health centers
Medical clinics
Long-term healthcare
Excluding invasive surgical risks
Hospitality and leisure
Property and general liability coverage for hospitality and leisure businesses
Examples
Fast food restaurants
Hotels
Leisure, including country or golf clubs
Restaurants and bars
Manufacturing
Manufacturers’ property and general liability
Examples
Aircraft and automotive parts (non-safety critical only)
Construction and allied trades products
Consumer, commercial and industrial goods
Engineering, machinery and equipment
Fabricated metal products
Food and drink packaging
Furniture and fixtures
Instrument-related products
Plastics and rubber manufacturing (GL only)
Transportation equipment
Real estate
Property owners and managers’, property and general liability
Examples
Apartment buildings and condominiums
Arenas and convention centers property only
Franchises
Habitational
Hotels and motels
Landscaping
Property management and real estate agents
Shopping malls and markets
Excluding Tier 1 catastrophe property risks
Retail and wholesale
Retailers and wholesalers’ property and professional and general liability
Examples
Convenience and drugstores
Dealers and distributors, including installation and repair
Importers and exporters
Internet retailers
Large distribution centers
Shopping centers, outlets and department stores
1
Get an illustration
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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
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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
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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
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Launched back in 2019, RE–PAID was the first turn-key US P&C mid-market captive product.
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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 AwardsE&S Underwriting team of the year
2024 Insurance Insider US AwardsUnderwriting solution of the year
2024 Captive Review US AwardsUnderwriting solution of the year
2023 Captive Review US AwardsProgram launch of the year
2022 The Insurer Program Manager AwardsReinsurance firm of the year
2021 Captive International US AwardsInsurance solution of the year
2020 Captive Review US Captive AwardsInsurance underwriting team of the year
2020 Business Insurance US Insurance AwardsMGA initiative of the year
2019 Insurance Day London Market AwardsInnovative ART structure/new risk placement
2019 Captive Review US Captive Awards
