Treaty reinsurance shapes how much risk an insurer can write, how much it keeps and what that protection costs. We work with cedants and MGAs to analyse their portfolio, design a structure that fits their capital and appetite, place it with Turkish and international reinsurers and manage it through each renewal.
We structure quota share and surplus treaties that share premium and losses with reinsurers in agreed proportions, supporting growth and capacity needs. Ceding commission, profit commission, limits and event caps are negotiated with the reinsurance panel on the cedant's behalf.
We place risk and catastrophe excess of loss programmes, with aggregate covers where appropriate, to protect net retention against large losses and accumulations. Layering, reinstatements and pricing are negotiated against the cedant's loss experience and exposure profile.
Before a programme goes to market, we analyse premium, exposure and loss data to understand how the portfolio behaves. The findings shape the structure, the retention and the way the business is presented to reinsurers.
We help cedants decide how much risk to keep and how to layer what they transfer, balancing capital, earnings volatility and reinsurance cost. The structure is reviewed at each renewal as the portfolio and risk appetite change.
We build a reinsurance panel with an appropriate spread of security and monitor it throughout the treaty period. For MGAs, we source the reinsurance capacity behind their programmes and match them with global capacity providers.
Share the details with our team — we will review the risk and discuss how best to approach the market.
