Individual placements with indicative terms within 24–48 hours of complete submission
Facultative reinsurance complements treaty capacity for individual large or specialty risks that fall outside automatic treaty arrangements. Guarant writes both lead and following lines within its ten specialty classes.
Each facultative placement is underwritten on its own merits. The Company's underwriters assess cedant data, exposure characteristics and pricing adequacy before committing capacity, ensuring that every risk accepted fits within the written risk appetite.
Guarant participates as both lead underwriter and following market. As lead, the Company sets terms, conditions and pricing for the placement. As follow, Guarant accepts the risk on the lead's established terms. This flexibility supports cedants and brokers at every stage of the placement process.
Facultative placements can be structured on a proportional (quota share) or non-proportional (excess-of-loss) basis, depending on the cedant's retention strategy and the characteristics of the underlying risk.
Where the underlying exposure and documented risk-transfer rationale support it, Guarant can craft bespoke facultative structures with tailored limits, deductibles and conditions that reflect the specific characteristics of the risk.