The Facility · By Invitation
A programme that compounds,
not a premium that resets.
ArcMutual is a shared-cell risk-finance facility for medium-to-large South African corporate property and business interruption risks. Captive economics, without the cost and burden of owning a captive - insurance you build, not insurance you rent.
Retention
Each member carries a sensible share of its own risk - and earns the economics of its own discipline when the year runs clean.
Transfer
Above the retained layer, risk passes to reinsurance capacity rated to carry it. The severe year is paid for before it happens.
Collective scale
Members share structure, not each other's losses. Scale buys terms no single programme commands alone.
An admitted policy
Cover is issued in South Africa by Centriq Insurance, a licensed, FSCA-regulated insurer. The client holds a local policy, with local recourse.
A ring-fenced cell
The programme's economics sit in a ring-fenced cell at Norfolk Re in Bermuda - BMA-regulated and established in 1999 - where clean-year performance builds the member's reserve.
A-rated capacity above
Above the cell, capacity is placed with A-rated Lloyd's and international markets, with programme modelling by Eikos Risk Capital in London.
The capacity
ArcMutual is built on committed reinsurance capacity from A-rated Lloyd's and international markets, sized for programmes from R250 million total sum insured upward. Structure and security are reviewed annually; capacity is arranged before a member joins, not found afterwards.
The fit
Medium-to-large South African corporates with property and business interruption programmes, strong loss records and a genuine risk management culture. Membership is by invitation, introduced through SRT's retail broker panel - your broker stays your broker, and servicing is broker-agnostic by design.