"Facultative reinsurance is where we go to work on the risks that don't fit neatly into the local market - the complex, the large, the specialist. ArcMutual is about something different - giving brokers and their clients the ability to retain risk, build wealth, and participate in their own underwriting outcomes. Running both under one roof is what makes SRT unusual."

​1. Facultative RI Broking

SRT places individual risks into the reinsurance market on a facultative basis - working directly with retail brokers to secure capacity for risks that fall outside conventional insurance appetite or that require specialist underwriting.

We structure each placement by accessing international reinsurance markets including active London and Lloyd's relationships, and assess reinsurer counterparty strength before binding. Our strength is in the risks others find difficult - large property exposures, complex business interruption profiles, unusual occupancies, high-value single locations, and specialist industry risks where local capacity tightens or where conventional insurers impose disproportionate terms.

Who we work with: Retail brokers placing specialist or large risk on behalf of their clients, and corporate clients requiring direct access to the reinsurance market.

What we place: Facultative property reinsurance (per-risk), including business interruption,

​

2. ArcMutual

ArcMutual is SRT's proprietary alternative market capacity product - South Africa's first mutual cell captive for independent brokers. Launched in 2025 and distributed exclusively through a select network of retail brokers, ArcMutual offers a shared insurance platform that combines cost efficiency, risk flexibility, and broker led customisation.

Structured through Norfolk Re in Bermuda - one of the world's largest and most respected cell captive domiciles - ArcMutual gives brokers and their clients access to capacity that previously sat outside their reach.

​

​

​

​

​

​

​

​

​

​

Target risk: Property damage and business interruption for South African businesses with combined MD/BI values from R250 million and up.

​

Broker and client benefits:

• Access to capacity not previously available

• Ring-fenced cells with no contagion risk between participants

• Client retention layer builds over time - turning premium into capital

• Insured's benefit from bulk reinsurance purchasing from the cell. 

​​

Why Choose SRT for Reinsurance Broking?

• Dual capability - we can secure capacity facultatively risk by risk, or create it at portfolio level through ArcMutual and we are one of the few brokers in the South African market positioned to do both

• Active London market and Lloyd's access

• Counterparty credit assessment conducted on every reinsurer prior to placement

• Genuine strength on hard-to-place, specialist, and large single-risk exposures

• End-to-end support across structuring, placement, premium declarations, claims bordereau, and renewal

• Exclusive access to ArcMutual for qualifying brokers within the capped distribution network​