Category: Reinsurance
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Reinsurance Today
The international reinsurance market is undergoing a notable transition after several years of disruption driven by pandemic losses, geopolitical instability, inflationary pressures and an unprecedented rise in natural catastrophe claims. As the market enters 2026, a number of clear trends have emerged, reshaping pricing, capacity,… Read more
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Forecast For Insurance Treaty Renewals – 2026
Executive summary (short) The reinsurance renewal environment going into 2026 looks set to remain broadly favourable to buyers — although not uniformly so across all lines or layers. Reinsurer capacity is high, alternative capital remains significant, and many brokers and reinsurers are forecasting continued rate… Read more
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“Riskpoly” or “Reinsurance”
The name Riskpoly is intended as a coined term combining two elements: risk and poly. • Risk reflects the central subject: uncertainty, exposures, potential losses, and the management of those through reinsurance. • Poly derives from the Greek prefix meaning “many” or “multiple”. Thus Riskpoly suggests “many risks”, or the spreading/covering of… Read more
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Cut through clause
A cut-through clause, also known as a direct access clause, is a contractual provision in reinsurance agreements that allows an original insured party to directly claim against a reinsurer, bypassing the insolvent or defaulting primary insurer. This clause is typically invoked when the primary insurer faces… Read more
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Balanced vs. Unbalanced Reinsurance Treaties
The Concept of Balance Reinsurance treaties are agreements where an insurance company (the ceding company) transfers a portion of its risk to another insurance company (the reinsurer). These treaties can be structured in various ways, and a key consideration is whether the treaty is “balanced”… Read more
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Understanding Quantum Reinsurance
Quantum reinsurance refers to a specific type of reinsurance arrangement that focuses on the financial aspects of insurance claims, particularly in relation to the calculation and settlement of claims. This concept is crucial for both insurers and reinsurers as it helps manage risk and ensures that… Read more
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Historical Reinsurance Rates
Historical reinsurance rates have undergone significant fluctuations influenced by various market dynamics, regulatory changes, and economic conditions. Understanding these trends provides insight into the current state of the reinsurance market and its future trajectory. Early Developments in Reinsurance Reinsurance has existed in various forms since… Read more
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Increasing Frequency and Severity of Natural Catastrophes
Natural catastrophes have become a pressing concern in recent years, with notable trends indicating an increasing frequency and severity of these events. This trend is particularly evident in secondary perils such as severe weather events, which include floods, storms, heatwaves, and wildfires. Understanding these developments… Read more
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Future of the Reinsurance Industry
The reinsurance industry, a cornerstone of global risk management, is poised for significant evolution in the coming years. Driven by a complex interplay of environmental, economic, and technological factors, the sector faces both challenges and opportunities that will reshape its landscape. The reinsurance industry is… Read more
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Focus Areas for Reinsurers in the Upcoming Years
As the insurance and reinsurance landscape continues to evolve, reinsurers must strategically focus on several key areas to navigate challenges and seize opportunities. The following sections outline critical focus areas for reinsurers over the next few years. 1. Adapting to Climate Change Risks Climate change… Read more
