Nearly $1M annual premium savings and board-level control for a global conglomerate
A diversified multinational across agri-inputs, logistics, food processing, energy, and minerals, with a decade of disciplined risk management, strong loss history, and complex multi-geography marine cargo exposures.
The client's marine risk was insured through a traditional market placement that had become fragmented across geographies and policy periods, leading to premium inefficiency and limited leverage with carriers. Despite a decade of disciplined risk management and a superior loss record, pricing and terms did not fully reflect the underlying risk quality.
Cash-flow was negatively impacted by premium timing, and the client had little direct influence over claims handling or program design across complex stock-throughput exposures spanning transit, processing, and storage.
~$1,000,000 annual premium reduction versus prior structure
>$500,000 net annual benefit after captive operating costs
Cash-flow lift via investment income on captive reserves
Greater control over claims handling and settlement timelines
Flexible coverage terms/limits with capacity sourced on A-rated paper across jurisdictions
Guernsey selected for proportional regulation and mature captive ecosystem
Experienced captive management appointed for end-to-end administration
Seamless operational integration into existing risk processes while preserving global security standards
A PCC structure lets sophisticated insureds capture underwriting economics on predictable layers, while a unified Stock Throughput Program reduces leakage and complexity across transit, processing, and storage. Direct reinsurance access strengthens pricing tension and keeps capacity responsive through the market cycle. Taken together, this creates a repeatable playbook for other large programs; property, logistics, and selected liability lines, where risk data and controls are strong.
