Comprehensive Risk Transfer Solutions

Reinsurance Products

A comprehensive range of reinsurance products designed to meet the risk transfer requirements of insurers across Africa.

Guardian Re provides access to a comprehensive range of reinsurance products designed to meet the risk transfer requirements of insurance companies operating in Zambia and across the African market. Our products are structured to provide appropriate protection while supporting efficient capital management.

Primary Category

Treaty Reinsurance

Automatic coverage for defined portfolios of risks, enabling insurers to manage aggregate exposures and stabilise underwriting results.

Proportional Treaties

Quota Share

Under quota share arrangements, the reinsurer assumes a fixed percentage of all risks within the defined portfolio. This approach provides capacity support, stabilises results, and facilitates portfolio growth.

Suitable for new or expanding portfolios
Provides consistent capacity across all risks
Simplifies administration and reporting

Surplus Share

Surplus treaties allow cedants to retain a fixed amount on each risk and cede the surplus to reinsurers. This structure provides flexibility to manage large individual exposures while retaining smaller risks in full.

Optimal retention of profitable smaller risks
Capacity for larger risks as required
Balances retention and cession efficiently

Non-Proportional Treaties

Excess of Loss (XOL)

Excess of loss treaties protect cedants against individual losses or accumulations that exceed specified retention levels. Coverage responds only when losses breach the attachment point.

Per-risk excess of loss for individual large losses
Per-occurrence excess of loss for event accumulations
Aggregate excess of loss for cumulative protection

Stop Loss

Stop loss treaties provide protection when aggregate losses for a portfolio exceed a defined loss ratio or monetary threshold. This structure protects against deterioration in overall underwriting performance.

Protection against adverse experience
Capital preservation during difficult periods
Supports underwriting planning and budgeting

Individual Risk Placement

Facultative Reinsurance

Facultative reinsurance provides coverage for individual risks on a case-by-case basis. Each risk is separately offered to and accepted by reinsurers, allowing for tailored terms and conditions.

Applications

Risks exceeding treaty capacity
Unusual or complex exposures
Risks outside treaty scope or class
Large single-site concentrations

Our Process

Guardian Re manages the full facultative placement process, from risk presentation through to binding and documentation. We ensure timely responses and competitive terms for each placement.

1 Risk presentation and market submission

2 Terms negotiation and quote comparison

3 Binding confirmation and documentation

Lines of Business

Specialty Lines

Guardian Re arranges reinsurance for specialty and technical lines of business, drawing on specialist resources and market relationships.

Property

Commercial and industrial property
Business interruption
Assets All Risk programmes
Natural catastrophe exposures

Casualty

General liability
Professional indemnity
Directors and officers liability
Product liability

Motor

Motor fleet programmes
Third-party liability
Own damage coverage

Marine & Aviation

Hull and cargo
Marine liability
Aviation risks

Engineering

Construction all risks
Erection all risks
Machinery breakdown
Electronic equipment

Agriculture

Crop insurance
Livestock coverage
Weather index products
Agricultural asset protection

Long-Term Business

Life & Health

Guardian Re provides reinsurance solutions for life insurers and health underwriters.

Life Reinsurance

Individual life coverage
Group life schemes
Credit life programmes
Mortality and morbidity risk transfer

Health Reinsurance

Medical expenses reinsurance
Aggregate stop loss
Catastrophic illness coverage

Bespoke Arrangements

Structured Solutions

For clients with specific capital or risk management objectives, Guardian Re develops structured reinsurance solutions tailored to their requirements.

Finite risk programmes Loss portfolio transfers Adverse development covers Capital relief structures

Product Selection Advisory

The appropriate reinsurance product depends on multiple factors. Guardian Re provides advisory support to help clients select and structure the most suitable products for their circumstances.

Key Selection Factors

Nature and characteristics of the underlying portfolio
Cedant risk appetite and retention capacity
Capital position and regulatory requirements
Market conditions and pricing environment
Strategic business objectives

To discuss reinsurance products and solutions for your organisation, please contact our team.