Insurance and
reinsurance underwriters

Insurance

  • I–RE is a program manager based in the US. It manages relationships with our broker and captive manager partners, handling contractual relationships with them and with our insurer partners, as well as other administration, like collecting premiums.

Meet our US broker relationship management team chevron_right

Reinsurance

  • I–RE Insurance Co. Ltd is a reinsurance company based in Bermuda. All our insurance and reinsurance underwriting is handled by our expert team in Bermuda.

Meet our Bermuda underwriting and claims team chevron_right

Captive specialists

  • We share risk and reward with our clients – every one of them has a captive.

    They invest collateral, run a P&L that turns their own insurance premiums into profits, and they control their own downside to get an exceptional return.

Get RE–PAID

Insurance with price stability

US property and casualty

  • Working with brokers, it’s business as usual.

    RE–PAID is just like any conventional insurance placement. We pay brokers commission on GWP.

    Clients get AM Best A- X (Excellent) policies.

  • There are 100,000s of US businesses paying big premiums, between $1M and $10M.

    Many are good and not just lucky, only making few small claims, with a 5-year historic loss ratio below 40%.

    They’re the high-performing mid-market clients we underwrite, across wide-ranging sectors.

A-rated coverage

Primary limits

Commercial property

Up to $20M

General liability

Up to $5M

Professional liability (for healthcare)

$1M

 

 

Excess market placement

Excess limits

Property

Up to $500M

General liability

Up to $10M

For high-performing mid-market businesses

Agriculture

Agricultural and horticultural property and general liability coverage

Construction

Construction general liability

Food and drink

Food and drink sector property and general liability

Healthcare

Care sector professional and general liability, and property

Hospitality and leisure

Property and general liability coverage designed for hospitality and leisure businesses

Manufacturing

Manufacturers' property and general liability

Real estate

Property owners and managers', property and general liability

Retail and wholesale

Retailers and wholesalers' property and professional and general liability

See our appetite guide download

Case studies

1

Get an illustration

  • Only very basic information is required. We will quickly work up an illustration, with a 5-year profit projection.

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

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

2

Get captive ready

  • Work with a captive manager – 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 need are required?

Get our application form download

We get it

We know what to do and how to do it.

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

Every year since, 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

Get in touch