Our pooling solutions

Loss Carry Forward

Under the LCF system any overall negative balance in a given year is carried forward to the next accounting period.  This continues until the loss is fully recouped.

Limited Loss Carry Forward

Under the LLCF system any overall negative balance in a given year is carried forward to the next accounting period.  This carry forward period is limited in time (3-5 years), after which the total accumulated loss is waived.  For this type of protection

an annual stop loss charge is taken into account.  This charge is deducted from the positive balance prior to the dividend payment.  It is collected  only if the pooling results are sufficient.

Full stop loss

Under the FSL system any overall negative balance at the end of the rating period is waived.  For this type of protection  an annual  stop loss is charged.  This charge is deducted from the positive balance prior to the dividend payment.  It is collected  only if the pooling results are sufficient.

Small groups pool

Under the MAPS pool the experience of a number of smaller companies is combined into one larger pool, allowing for better spreading of the risk and providing economies of scale.  The pool has full stop loss protection so losses are waived at the end of each accounting year.

Multinational Aggregate Pooling System (MAPS)

Small Groups Pool or Multi Employer System

Under the MAPS pool the experience of a number of smaller companies is combined into one larger pool, allowing for better spreading of risk and providing economies of scale.  The pool has full stop loss protection so losses are waived at the end of each accounting year.

Captives

 

Companies for some time now have reduced the costs of their Property & Casualty (P&C) risks by utilizing a captive. Today, this alternative risk transfer technique is also available and utilized for funding employee benefits. With the ongoing and constant rise in cost for employee benefits including healthcare, life insurance, disability and retiree medical benefits; captives are emerging as an attractive option to controlling those costs

And 1000 others

Didn't find a pooling solution that could suit your needs?

We're glad to discuss any option that could fullfill the requirements of any individual multinational corporation