Treaty reinsurance is one of the most powerful risk management tools supporting the sustainable growth of insurance companies. A properly structured treaty reinsurance program:
- increases capital efficiency,
- balances technical results,
- and provides strong protection against sudden claims fluctuations.
As a reinsurance broker, we offer innovative, flexible treaty reinsurance solutions tailored to the needs of insurance companies, supported by international reinsurance capacity.
The UIB Treaty Team provides a value-driven and holistic service approach to its clients, supported by its international expertise and experience across diverse geographies in risk identification and analysis, cost assessment, pricing, actuarial calculations, and modeling processes.
Why Us?
• Strategy-focused approach: Treaty reinsurance structures designed specifically for each insurance company
• Global reach: Direct and strong access to international reinsurance markets
• Expertise: End-to-end support from contract design to claims processes
• Negotiation power: Competitive terms and sustainable capacity
We position your treaty reinsurance program not just as a protection tool, but as a strategic growth lever.
WHY IBS ?
Customer-Oriented Service
Expert Professionals
Competitive Offers
Long Term Relationship
Comprehensive Claims Consultacy
Access to Global Insurance Markets
OUR INSURANCE COVERAGE
Proportional Treaty:
Proportional Treaty Reinsurance Agreements
Proportional treaty reinsurance agreements are based on the principle of sharing premiums and claims in predetermined ratios. This structure is an ideal solution, especially for insurance companies that want to manage portfolio growth securely.
Quota Share Reinsurance Agreement
With quota share reinsurance, you can reduce pressure on capital by placing a certain portion of your portfolio under reinsurance protection, and implement your growth strategies more securely.
Value offered:
- Fast and effective capital relief
- Secure growth in new products and branches
- Predictable technical results
Surplus Reinsurance Agreement
Surplus reinsurance provides flexible and scalable capacity for risks exceeding your retention share. It allows you to confidently include large insured risks in your portfolio.
Value offered:
- Access to large and complex risks
- More balanced portfolio structure
- Support for technical profitability
Non-proportional Treaty:
Non-proportional Treaty Reinsurance Agreements
Non-proportional treaty reinsurance agreements protect insurance companies against high-value and unexpected losses, securing financial stability. It provides indispensable protection, especially for catastrophic risks.
Excess of Loss (XL) Reinsurance Agreement
Excess of loss reinsurance agreements come into play for losses exceeding a determined priority amount, effectively controlling loss volatility.
Value Offered:
- Strong protection against catastrophic and major losses
- More predictable financial results
- Optimization of capital requirements
Stop Loss Reinsurance Agreement
A stop loss reinsurance agreement protects your year-end technical results by stepping in case of unexpected increases in total claims ratios.
Value Offered:
- Protection of profitability targets
- Effective protection against budget deviations
- Protection against claims frequency fluctuations
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