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Treaty, binders and facilities

We provide treaty, binder and facilities placements for small, medium or large insurance companies.

These placements can create significant value for a business through reinsurance and delegated underwriting. 

Elmore offers a turnkey solution and can work with:

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 Direct insurers

 Captives

 Mutual insurance companies

 General takaful companies

 Pools

 Reinsurers

 Reinsurance brokers

 Direct brokers

Our focus and benefits

Financial lines and casualty capacity, improving the efficiency of existing capacity to increase earnings and provide creative solutions for new capacity.

Market-leading products and no upfront costs for programme launch

Specialists in emerging markets

What we offer

Proportional treaty. Arranging and advising on quota share (QS) and surplus share (SPL) treaties.

Non-proportional treaty. Arranging and advising on excess of loss (XOL), stop loss, catastrophic cover, and net protection treaties.

etrocession treaty. Arranging and advising retrocession reinsurance, both on a per-risk and catastrophe basis.

Facultative and obligatory treaty. Arranging and advising hybrid facultative versus treaty structures.

Binders. Arranging and advising delegated authority binders across multiple lines.

Facilities. Arranging and advising insurance and reinsurance prior-submit facilities.

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Additional non-standard coverage is available in a TRI policy for which insurers will charge extra premium. Elmore recommends the following covers are included when seeking quotations:

Synthetic warranties. Given directly from insurer to insured under the policy if the seller does not give an indemnity.

US-style policy enhancements. EU Insurers now offer wide coverage with more all-risk type coverage.

New breach cover. Covers breaches that both occur and are discovered or disclosed in the interim period between signing and closing.