Business Insurance

Reinsurance

At IAT Reinsurance, we are dedicated to helping businesses navigate complex risk environments through our robust reinsurance solutions.

Our Reinsurance Business Unit offers a comprehensive suite of intermediary-produced treaty reinsurance products tailored to address the needs of businesses across various industries. By partnering with IAT, you gain access to a trusted resource that focuses on safeguarding capital, enabling growth, and providing security during times of volatility.

Why Reinsurance?

Reinsurance plays a critical role in helping insurers manage risk by transferring portions of their liabilities to reinsurers. This allows for capital efficiency, surplus relief, and enhanced financial stability. Whether you're looking for structured quota share arrangements or targeted catastrophe (CAT) excess of loss coverage, our reinsurance solutions are designed to align with your company’s strategic objectives and financial goals.

IAT’s Reinsurance Solutions

We provide tailored reinsurance solutions designed to meet the unique needs of each client. Our offerings include:

Structured Quota Share: Offering capital efficiency and surplus relief through flexible structures that may include sliding scale commissions, loss corridors, and profit-sharing arrangements. We underwrite a broad spectrum of reinsurance products, including but not limited to:

Homeowners
Personal Auto
Commercial Liability and Property
Commercial Auto
Professional Lines

CAT Excess of Loss: Targeted coverage designed to protect against catastrophic events, ensuring financial stability for businesses prone to high-severity losses.

Our reinsurance solutions are designed to foster an alignment of interests between IAT and our partners through risk and profit-sharing models. Each solution is custom-built to meet client-specific portfolio needs, providing flexibility through features such as occurrence limits, aggregate loss ratio caps, specific peril limitations, and profit commissions.

Recent Successes

IAT Reinsurance caters to a broad range of industries, offering solutions tailored to a variety of risk profiles. Here are some of our recent successes:

A homeowners insurer secured surplus relief to support financial stability and future growth.
A regional commercial transportation writer benefited from a swing-rated excess of loss treaty for more precise risk management.
An MGA partner leveraged additional capacity through a hybrid front for a niche market program

Partner with IAT Insurance Group

By partnering with IAT, you benefit from the financial strength of an A- (Excellent) rated company, offering stability, expertise, and innovation in reinsurance solutions. Whether you’re looking to expand your capacity or manage catastrophe risk, our team is ready to help you meet your goals.