Home > Insurance > Loss Sensitive Program

Loss Sensitive Program

Empowering business owners to take risk, take control and take back underwriting profit, transforming insurance from a cost to a profit center, I-RE targets clients with the following:

GWP from $250K
Proven risk management program
Historic 5-year loss ratios below 40%

Reinsurance

Clients take a finite, manageable reinsurance exposure – through a captive insurance company they form and own (not a group captive). So that clients have complete certainty on their maximum possible exposure to loss, I-RE typically quotes 3 options for a primary layer sitting directly above existing deductibles:

Limits

Any one occurrence

Aggregate stop loss

Option 1

$250,000

$1,000,000

Option 2

$350,000

$1,400,000

Option 3

$500,000

$2,000,000

Clients get their own captive reinsurance company, with capital-efficient LOC collateral requirements.

They receive a reinsurance premium of up to 50% of their gross written insurance premium.

Get RE-PAID

Clients take control, take risk and get paid. With a fully integrated, one-stop-shop solution, clients can:

take on some of their own insurance risks
control their own claims
get repaid up to 50% of their insurance premiums

I-RE considers risks within the targeted trade sectors listed on the following pages.

Individual trade sectors are underwritten on their own merits and as part of the whole risk profile of an insured.

Property:

Up to $5M primary first loss limit, including:

Commercial buildings and residential property portfolios
Business income
Business personal property
Stock throughput
Commercial inland. Marine
Crime
Machinery breakdown

General Liability:

Limits up to primary $5M, with

$10M aggregate, including:

Employee benefit liability
Products/completed operations liability

Workers’ Compensation:

Statutory limits, including:

$1M employers’ liability limit

Commercial Auto:

Primary $1M limit for:

Liability
Physical Damage

Call (562) 682-0606 Today!