Reinsurance Solutions
Reinsurance is not merely a mechanism for sharing risk; it is a fundamental tool for capital management, balance sheet protection and sustainable growth. At Cresta, we approach reinsurance not as a capacity purchase, but as a strategic component of your financial architecture. Our role is not simply to intermediate between insurers and reinsurers, but to design measurable and resilient risk transfer structures aligned with your underwriting strategy and capital tolerance. Each program is structured by evaluating underwriting philosophy, portfolio composition, growth targets and volatility appetite together.
Proportional Reinsurance
Supports portfolio expansion and optimises capital utilisation.
• Quota Share
• Surplus
Non - Proportional Reinsurance
Controls volatility and protects the balance sheet.
• Excess of Loss
• Stop Loss
Catastrophe Protection
• Natural catastrophe programs
• Aggregation management
• Model-driven structuring
Specialized Structures
• Structured reinsurance
• Adverse development cover
• Loss portfolio transfer
• Financial reinsurance solutions
Our Service Approach
Analysis
Before structuring any program, we conduct a technical review of the portfolio.
• Frequency and severity analysis
• Reserve adequacy assessment
• Volatility and catastrophe modelling
• Segment performance diagnostics
• Pricing adequacy review
Structuring
Risk transfer is designed to support financial objectives.
• Retention optimisation
• Capacity allocation strategy
• Multi-layer reinsurance structures
• Alternative risk transfer modeling
• Growth-supportive program architecture
Market Strategy
Placement strategy is as critical as program design.
• Simultaneous access to global reinsurance markets
• Lloyd’s and company market engagement
• Regional reinsurer and investor capacity
• Competitive placement orchestration
Placement & Ongoing Management
Placement is not the end of the process.
• Program negotiation
• Wording management
• Capacity coordination
• Renewal strategy planning
Class-Specific Expertise
We recognise that each class carries different volatilitypatterns, capital impact and market appetite.
• Property & Engineering
• Liability & Casualty
• Motor
• Marine & Energy
• Agriculture
• Life & Health
• Financial Lines
Claims Management
The true value of reinsurance emerges at the time of loss. Cresta acts not merely as a reporting intermediary, but as a recovery coordinator representing the client’s interests.
• Major loss coordination
• Reinsurer negotiation
• Recovery tracking
• Reserve discussions
Alternative Risk Transfer
We develop solutions beyond traditional reinsurance:
• Captive advisory
• Parametric solutions
• Insurance-linked securities (ILS)
• Multi-year financial protection programmes