Mid-market captives made easy

Win and retain clients

Maintain income and control

Insurance and
reinsurance underwriters

Insurance

  • Description text goes here

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.

This is the upside.

Insurance
with price stability

US mid-market property and casualty

Working with brokers, it’s business as usual. We underwrite on behalf of Fortegra, AM Best A- X (Excellent).

Clients pay premiums, and get A-rated policies with flexible coverage and long-term predictability.

We pay brokers commission on GWP

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 clients 

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.

See our appetite guide download

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

View case studychevron_right

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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, including habitational portfolios.

Retail and wholesale

Retailers and wholesalers' property and professional and general liability

Mid-market captives made easy

Single-parent captives are complex and costly

  • 90% of the Fortune 500 own single-parent captives. Captive premiums now represent nearly 25% of the commercial insurance market.

    Traditionally, these are a complex business, but one that makes money for everyone involved.

  • Mid-market businesses simply lack the necessary financial clout, and the critical mass of premium.

    So they cannot effectively access the reinsurance market to limit their risk. And fronting and collateral arrangements make captive ownership unviable.

Group captives offer no flexibility or control

  • Arguably, they look and behave much more like a mutual insurance company than they do a captive. They dictate risk management practice to clients, and they’re only for casualty coverages, not property.

  • Group captives are not an investment that makes a return. They’re a business that saves money.

What’s needed is a simple all‑in‑one product

Win win

Check out the benefits of RE–PAID for clients chevron_right

Simplifying placement

  • No need for fronting

  • No stacking collateral

  • No need for reinsurance

Gaining competitive advantage

  • Win big new clients

  • Increase retention

  • Maintain control and income.