Liability Reinsurance
Provides reinsurance capacity for portfolios exposed to third-party bodily injury, property damage, and other liability risks.
Liability & Financial Lines
Protect Against Liability And Financial Risks
Insurance that protects your business, directors and professionals against legal claims, financial loss and regulatory exposure, helping you manage legal costs and compensation with confidence.
Portfolio Risk Transfer
Capacity Enhancement
Balance Sheet Protection
What Is Liability & Financial Lines ?
Understanding Liability & Financial Lines
Liability & Financial Lines Reinsurance lets insurers transfer defined portions of their liability and financial lines portfolios to reinsurers, helping manage accumulation, volatility, severity and emerging exposures while supporting sustainable underwriting capacity.
What Does It Cover?
- Directors & Officers Liability
- Professional Indemnity
- Errors & Omissions
- Employment Practices Liability
- Cyber Liability
Example:
If an insurer experiences a significant liability loss within a covered portfolio, the reinsurance programme may respond above the agreed retention, subject to the treaty or facultative terms and conditions.
Coverage Components
Comprehensive Reinsurance Solutions
Financial Lines Reinsurance
Supports insurers in managing portfolios covering management, professional, cyber, crime, and other financial risks.
Excess of Loss
Provides protection against large or severe losses exceeding the insurer's agreed retention.
Facultative Reinsurance
Provides tailored reinsurance protection for individual or complex liability and financial lines risks that require specific underwriting consideration.
Portfolio Protection
Helps insurers manage portfolio volatility and accumulation across liability and financial lines exposures.
Advisory Support
Strengthen Your Liability & Financial Lines Portfolio
We understand your portfolio, underwriting strategy, claims experience and risk appetite to structure appropriate reinsurance solutions.
- 1.
Portfolio Risk Assessment
We analyse your portfolio, exposure profile, claims experience, underwriting approach, and key accumulation areas.
- 2.
Reinsurance Structure & Design
Our specialists help structure appropriate retentions, limits, layers, attachment points, and reinsurance participation.
- 3.
Reinsurer Placement
We coordinate with suitable reinsurers to secure capacity aligned with your portfolio and underwriting requirements.
- 4.
Treaty & Facultative Support
Our specialists support negotiations, documentation and reinsurer coordination throughout the placement process.
- 5.
Annual Portfolio Review & Renewal
Regular reviews keep your reinsurance programme aligned with portfolio growth, emerging risks and capacity needs.
Strengthen Your Reinsurance Strategy
We help structure Liability & Financial Lines reinsurance solutions designed around your portfolio, risk appetite, and capacity requirements.
Frequently Asked Questions
Answers to Common Insurance Queries
Long-tail classes involve extended claims development, reserve uncertainty, changing legal environments and differences between initial and ultimate loss estimates, directly influencing retention, attachment and limit selection.
The analysis should consider historical development patterns, claim severity, reserve movements, legal trends, geographical concentration and potential aggregation across insureds or classes of business.
Equirus Raghnall evaluates portfolio composition, claims development, exposure concentrations, limits and historical performance to determine an appropriate treaty or facultative reinsurance structure.
Equirus Raghnall considers class-specific expertise, long-tail claims experience, financial security, underwriting appetite, claims capability, wording requirements and available capacity when selecting and negotiating with participating reinsurers.
