Proportional Treaty
Quota share and surplus treaties that support growth, provide capacity and share results with reinsurers across a defined portfolio.
Treaty Reinsurance
A well-structured treaty programme underpins an insurer’s capacity, capital efficiency and earnings stability. It determines how much business you can write, how volatile your results will be and how you respond to a major loss. Treaty Reinsurance protects whole portfolios rather than single risks, and getting the structure right matters as much as the price.
How we work
At PWS, we begin with your portfolio, your business plan and your appetite for volatility. We review exposures and loss experience, test alternative structures and retentions, and then take a clear, well-supported submission to reinsurers. Throughout the renewal we keep you informed of market feedback, so decisions on structure and pricing are made with full visibility.
Capabilities
Our Treaty Reinsurance solutions cover a wide array of structures, including:
Non-Proportional Treaty
Per risk, catastrophe and aggregate excess of loss programmes that cap your net exposure to large and accumulated losses.
Programme Structuring & Capacity
Retention analysis, layer design and capacity sourcing across regional and international markets, from first placement to renewal.
Whether you are a direct insurer, a specialist underwriter or a captive, PWS’s treaty specialists help you build a reinsurance programme that supports your strategy. From exposure review and structure design to market placement, wording, accounting and claims, we deliver end-to-end support across the treaty year.
Give your portfolio a solid foundation with PWS’s Treaty Reinsurance solutions, so you can grow with confidence and absorb the losses you cannot avoid.
Comprehensive
Treaty Reinsurance
Treaty Reinsurance protects an insurer’s entire book, or a defined class within it, under a single agreement. It provides capacity, reduces earnings volatility and protects capital against large individual losses and catastrophe events.
PWS: Tailored Treaty
Reinsurance Solutions
No two portfolios share the same mix of business, geography or risk appetite. With deep expertise and strong relationships with leading reinsurers, we design treaty programmes around your business plan and capital position, so the structure supports where you want to take the portfolio, not just where it has been.
Speak to an Advisor
Why Choose PWS?
Our specialists work closely with insurers to understand their portfolios, identify potential exposures and develop suitable treaty structures.
Supported by strong reinsurer relationships and market expertise, we help clients secure appropriate capacity and ongoing claims support.
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