I am aware of some structures for PEOs specifically, that have been proposed that involve a fronting company issuing the policy, with: 1) a finite reinsurance program behind the front for losses limited to perhaps the first $500,000 per Occurrence, with Aggregate Limits that exceed the expected loss...

In addition to your search for an XS market, you might want to consider a finite reinsurance structure to support the underlying SIR. It might provide some added efficiencies with regard to: 1) As alternative collateral (instead of cash, LOCs or self-insurance surety bonds) as may be required in a g...

I'm curious - what "efficiency" measures do you have in mind, other than those trade ratios that are already available based on analysis of the company's financial statements (e.g., loss ratio, loss expense ratio, other underwriting expense ratio. premium to surplus ratio, reserves to surp...

More detailed comments sent via separate e-mail. Best of luck.

In some states, the fact pattern you have outlined might qualify as a workers compensation claim - to be filed with your employer. They would then be entitled to a lien on any settlement you might make with the other party, to recover some or all of the benefits the WC carrier paid. The fact that th...

Would be interesting to know what line of business you refer to. Seems to me that the real issue is not what the agent's costs are, but what are the costs of the possible alternative distribution channels that might displace this agent? If the carrier (or more accurately, the insured client) can get...

From your post, not clear what the underlying transaction is. From the names involved, assume it is a form of weather cover ... Crop-Hail? Or is it some other form of weather-related coverage? Done as insurance, or as a derivative? Are you dealing with ACE US, or Bermuda? Ordinarily, if transaction ...