We’re insurance and reinsurance underwriters
Our RE–PAID product delivers the upside
Insurance
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Our program management team in the US manage relationships with our broker and captive manager partners, as well as handling other administration, like collecting premiums.
Meet our team chevron_right
Reinsurance
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All our insurance and reinsurance underwriting is handled by our dedicated team in Bermuda, through I–RE Insurance Co. Ltd, where we also manage contractual relationships with our A-rated insurer partners.
Brokers have direct access to decision-making underwriters.
Captive
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Every client has a captive – a private insurance company they own.
Clients invest collateral and run a P&L that turns their own insurance premiums into profits.
They control their own downside to earn an exceptional return.
Insurance, but with price stability
Commercial property and casualty
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We issue AM Best A- (Excellent) policies, with ISO-based wordings.
Coverage can be flexible, and is tailored to suit the needs of every client.
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Because every client has a captive, this is what stabilizes their premiums.
A-rated coverage |
Primary limits |
Commercial property |
Up to $20M |
General liability |
Up to $5M |
Professional liability (for healthcare) |
$1M |
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Excess facility |
Excess limits |
Property and general liability |
Up to required limits |
For high-performing mid‑market businesses
Across wide-ranging sectors
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There are 100,000s of mid-market businesses in the US paying premiums between $1M and $5M, or even $10M.
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Many are good and not just lucky, only making few claims, with a 5-year historic ratio of claims to premiums less than 40%.
Agriculture
Agricultural and horticultural property and general liability
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
Hospitality and leisure property and general liability
Manufacturing
Manufacturers' property and general liability
Real estate
Property owners and managers', property and general liability
Retail and wholesale
Retailers and wholesalers' property and general liability
See our appetite guide chevron_right
Examples
Habitational property portfolio
Property and general liability for a property owner and manager
Residential construction
General liability for a nationwide homebuilder
Senior care
Professional/general liability and property for healthcare facilities
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 in touch chevron_right
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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?
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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
