Quota share
The cedant cedes a fixed proportion of every risk within the treaty scope to Guarant. Premium and losses are shared in the same proportion. Quota share treaties provide cedants with predictable capacity, stable loss ratios and proportional capital relief across their book.
Surplus share
The cedant retains each risk up to a defined retention and cedes the surplus to Guarant, up to an agreed number of lines. Surplus share treaties allow cedants to retain smaller and more favourable risks in full while transferring larger exposures that exceed their net appetite.
Per-risk excess of loss
Guarant responds when an individual risk loss exceeds a defined deductible, paying up to the agreed limit. Per-risk XoL protects cedants against severity on single risks without transferring attritional premium.
Catastrophe excess of loss
Covers aggregate losses from a single catastrophic event that affects multiple risks simultaneously. Cat XoL is essential for cedants with exposure to natural catastrophe, industrial disaster or accumulation perils.
Aggregate stop-loss
Caps the cedant's total claims burden across the portfolio over a defined period, typically expressed as a loss-ratio trigger. Stop-loss treaties protect against sustained adverse experience across the entire book, stabilising annual results.