Treaty REINSURANCE
Treaty Reinsurance Broker in Africa: Strategic Programme Design for Portfolio Resilience
Treaty reinsurance is the foundation of sound portfolio management. A well-designed programme protects your capital base, smooths underwriting volatility, and provides the sustainable capacity that allows your business to grow with confidence. At Reinsurance Solutions, treaty structuring is not an administrative exercise. It is a strategic discipline grounded in actuarial evidence, client understanding, and a clear view of the global capacity landscape.
As Africa’s leading independent reinsurance broker, we design and place both proportional treaty and non-proportional treaty programmes for cedants across Anglophone, Francophone, and Lusophone markets. Our independence means every recommendation is driven by your portfolio’s needs, not by corporate affiliations or committed capacity obligations.
Our Capacity
Structuring Complex Capacity for Ceding Companies
Our treaty process is disciplined, transparent, and built for long-term programme sustainability. We follow a rigorous four-stage methodology that ensures every programme we deliver is technically robust and commercially competitive.
Stage 1
Treaty Structuring and Recommendation
Every programme begins with a thorough analysis of your portfolio.We assess its composition, risk profile, historical loss experience, growthtrajectory, and capital requirements. Using this data, our actuarial andbroking teams model multiple structural scenarios, evaluating proportionaltreaty options (quota share and surplus arrangements) alongsidenon-proportional treaty structures (per-risk, per-event, and aggregate excessof loss layers).
The output is a clear, documented recommendation that identifies theoptimal programme structure for your specific circumstances: the retentionlevels that maximise capital efficiency, the layers that provide the mosteffective protection, and the capacity allocation that ensures programmesustainability across market cycles.
The output is a clear, documented recommendation that identifies theoptimal programme structure for your specific circumstances: the retentionlevels that maximise capital efficiency, the layers that provide the mosteffective protection, and the capacity allocation that ensures programmesustainability across market cycles.
Stage 2
Negotiation with Approved Leaders
With an agreed programme structure in hand, we approach leading reinsurers whose appetite, pricing philosophy, and financial strength align with your programme’s requirements. Our negotiation leverage is built on decades of trusted relationships, a reputation for data quality and transparency, and a portfolio of consistently well-performing programmes.
We negotiate not only pricing and terms but also the structuralnuances (profit commissions, event definitions, hours clauses, andreinstatement provisions) that can significantly impact programme performance over time.
We negotiate not only pricing and terms but also the structuralnuances (profit commissions, event definitions, hours clauses, andreinstatement provisions) that can significantly impact programme performance over time.
Stage 3
Placement with Agreed Securities
Once lead terms are established, we complete the placement panel by securing supporting capacity from a carefully curated group of reinsurers. We prioritise panel diversity and financial strength, ensuring that your programme is not overly concentrated and that every participant meets the security standards your portfolio requires.
Our London office provides direct access to Lloyd’s syndicates andmajor international reinsurers, while our regional offices contribute localmarket participations where applicable. This multi-market approach delivers thebreadth of capacity and geographic spread that resilient treaty programmes demand.
Our London office provides direct access to Lloyd’s syndicates andmajor international reinsurers, while our regional offices contribute localmarket participations where applicable. This multi-market approach delivers thebreadth of capacity and geographic spread that resilient treaty programmes demand.
Stage 4
Contract DocumentationFinalisation
We manage the contract wording process from initial draft through to final execution, ensuring that all terms, conditions, and special provisions are accurately documented and agreed by all parties. Our documentation standards reflect international best practice and are designed to minimise ambiguity, reduce disputes, and provide clarity for both cedants and reinsurers at the point of claim.
Our Expertise
Our Regional Expertise and Lines of Business
Quota share and surplus treaty arrangements that share premium and loss on a defined proportional basis. We design proportional treaties that balance the cedant’s need for capacity support and capital relief with the reinsurer’s requirement for transparent, predictable participations.
Excess of loss programmes that protect against frequency and severity events. We structure layers covering per-risk, per-event, and aggregate exposures, calibrated through actuarial modelling to identify attachment points that deliver optimal protection at an efficient cost.
For groups operating across multiple African territories, we design coordinated treaty programmes that achieve consistency of coverage, aggregation efficiency, and compliance with the regulatory requirements of each individual jurisdiction, from CIMA to the FSCA to the IRA and beyond.
Tailored Reinsurance Solutions for Your Market Position
For Clients
Secure stable, long-term capacity and optimise your portfolio with our expert technical structuring and localised market access.
For Capacity Providers
(Global Reinsurers)
Deploy capital securely into emerging African markets backed by our rigorous regulatory compliance and on-the-ground operational hubs.