We serve insurance companies with a surplus of less than $100 million that underwrite small commercial and personal lines policies with low to moderate hazard risks. We see this as an opportunity for growth because while these companies frequently produce consistently profitable underwriting results, they are often unable to grow their operations due to their limited capital base, lack of adequate ratings or limited licenses.
In addition to using traditional quota share reinsurance, small insurance companies can overcome their surplus limitations by entering into insurance risk sharing arrangements with us. This allows them to access our surplus, high rating, broad licensing and other capabilities to improve their ability to market their products and services.
