Risk Transfer and Insurance Placement

Often viewed as the focal point for any risk financing structure, insurance and reinsurance companies serve very specific roles providing evidence of highly rated insurance and effectively transferring catastrophic risk in excess of the client’s retention.

Our goal in any transaction is to efficiently shift the carrier’s traditional role of providing insurance for frequent and predictable losses to one of extending credit to the client for assuming this risk position. The client risk position can be achieved utilizing a variety of policy “wrappers” including guaranteed cost, large deductible and retrospectively rated contracts with the key to the placement being a cost effective expense structure and flexible approach to security requirements.

Keystone has fostered relationships with over 15 licensed admitted and non admitted carriers along with numerous reinsurers and enjoys the ability to bring highly qualified, targeted opportunities to our carrier partners.

In addition to securing the appropriate insurance policy and risk transfer requirements, Keystone has developed “in-house” modeling resources to provide highly accurate estimates of the underwriting and pricing terms of a particular opportunity. This allows both Keystone and our agent and broker partners to quickly qualify the potential of the captive opportunity.

These modeling services include:

• Actuarially derived expected losses for primary casualty lines
• Excess and aggregate loss penetration analysis
• “first look” market price risk transfer layer modeling