Alternative risk transfer

Increasingly complex risks, and a desire for overall balance sheet protection have meant that traditional risk transfer products cannot always provide adequate cover. This has led to considerable growth in the use of alternative risk transfer (ART) products.

As companies and insurers struggle with both the asset and liability side of their balance sheets, so we have designed products that create greater security for the benefit of owners and shareholders. This is a significant growth area for us, and keeps our clients at the cutting edge of managing risk.

Each solution is uniquely designed to effectively cover our clients' own unique needs.

We have a very experienced team who are at the forefront of designing, structuring and placing ART solutions. They have a proven track record of creating and placing simple, effective solutions with insurance and reinsurance markets worldwide.

Working in tandem with our colleagues in the reinsurance team and complementing the more traditional forms of reinsurance, we design and place a wide range of tailor made ART products, these include:

• Multi-year aggregate stop loss
• Contingent capital (single or double trigger basis)
• Adverse development covers
• Reinstatement premium protections
• Loss portfolio transfers

We work closely with our clients to help optimise return on capital, balance sheet protection and shareholder value through the use of sophisticated finite structured risk products.

Further information on solutions and products is available from our ART team, as well as programme design and modelling.