Tag: Insurance
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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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Retention of Risk by Mega Companies
The Retention of Risk by Mega Companies as a Strategy to Reduce Insurance Premiums and Mitigate Financial Exposure In contemporary corporate risk management, mega companies—those with vast financial resources and complex operational structures—are increasingly adopting risk retention strategies as a means to reduce insurance premiums… Read more
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Chairman Inheriting Wealth and Lacking Business Acumen
The scenario of a chairman inheriting wealth and lacking business acumen, coupled with a reliance on corrupt connections and unqualified appointments, often leads to significant corporate decline. Such a chairman, having not earned the company’s initial success, frequently misunderstands the fundamental principles of business operations… 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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Looting Insurance Companies
Insurance companies, while providing a crucial service, can engage in practices that are perceived as “looting” clients, even large, reputable brands. This often stems from the inherent conflict between their profit motives and their obligation to policyholders. One primary method is denial or underpayment of legitimate… 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 Insurance as a Risk Transfer Method (Insurance might not be the best way for protection)
Insurance is often viewed as a primary means of transferring risk. It provides financial protection against unforeseen events, such as accidents, illnesses, or property damage. However, there are situations where insurance may not be the most effective or suitable method for risk transfer. This section… 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
