Wholesale Expertise · Alternative Risk Transfer
When conventional
cover stops
making sense.
Good risks subsidise bad ones in conventional markets. Alternative risk transfer lets a well-run business keep the economics of its own discipline - structured, regulated, and reviewed every year.
Cell captives
A ring-fenced cell within a licensed insurer - the client's own risk vehicle without the cost and burden of owning an insurance licence.
Contingency policies
Structured cover for risks the conventional market prices badly or declines - built around the client's actual exposure and loss history.
Multi-year risk finance
Programmes that smooth premium across cycles and reward good years - risk financing that compounds rather than resets.
Built for disciplined risks.
ART suits businesses with real risk management culture: strong loss records, engaged management and the balance sheet to carry a sensible retention. Structures are placed with licensed, FSCA-regulated cell captive insurers - Centriq among them - and reviewed annually against performance.
For medium-to-large property and business interruption programmes, the same thinking extends into ArcMutual, SRT's shared-cell risk-finance facility.