Structured Solutions

Bespoke reinsurance and capital solutions designed to address complex risk, capital, and volatility challenges.

Clients turn to structured solutions when traditional reinsurance alone cannot fully address the pressures they face; whether that’s capital constraint, earnings volatility, regulatory scrutiny, or strategic change. These challenges demand solutions that are specifically designed, not off‑the‑shelf.

By blending traditional reinsurance with financial structuring, we help clients deploy capital more efficiently and achieve strategic objectives in constrained or complex market environments.

When Structured Solutions Add Value

Structured solutions are particularly effective when clients need to:

• Grow underwriting capacity but face capital constraints
• Reduce earnings volatility and smooth results
• Improve solvency ratios or meet regulatory capital requirements
• Exit legacy liabilities or prepare for mergers and acquisitions
• Secure multi‑year protection in capacity‑constrained markets

These solutions are commonly used by insurers, MGAs, captives, and specialty carriers requiring flexibility, capital efficiency, or long‑term risk transfer.

Our Structured Solutions Capabilities

Quota Share & Surplus Relief Structures

We deploy structured quota share arrangements as capital management tools to reduce retained volatility, lower capital charges, and release surplus capital. Solutions may include multi‑layer quota shares with loss caps or sliding commission mechanisms aligned to a client’s growth strategy or profitability trajectory.

Funds Withheld Structures

Funds withheld structures allow cedents to retain premium cashflows for claims payments, easing liquidity pressure associated with large premium cessions. Rather than remitting full premiums upfront, funds are retained on balance sheet along with the associated investment income. These structures are particularly attractive where investment capability, liquidity management, or regulatory capital considerations are key. Price Forbes Re uses funds withheld solutions to improve liquidity, smooth earnings, and support enhanced capital relief negotiations, especially in capital‑intensive or long‑tail lines where investment income and balance‑sheet efficiency are strategically important.