Reinsurance is the insurance that insurers buy to manage concentration, protect capital, and keep writing business. This section is narrower than the direct-market guides, but it now starts with the main structural terms instead of the archive.

Start Here

• Reinsurance
• Ceding Company
• Retention

Proportional Structures

• Pro Rata Reinsurance
• Quota Share Reinsurance
• Surplus Reinsurance

Nonproportional Protection

• Excess of Loss Reinsurance

Use This Section When You Need To Understand

• why insurers transfer part of a risk to other carriers
• how shared premium and shared loss arrangements are structured
• how catastrophe protection supports insurer solvency and capacity
• where reinsurance terms differ from direct-policy language
• why policyholders still deal with the direct carrier rather than the reinsurer

Useful Archive Terms

• Nonadmitted Reinsurance