Risk-transfer, treaty, and catastrophe-capacity terms.
Reinsurance pages explain how insurers share or transfer risk behind the scenes and why that matters for capacity, pricing, concentration, and catastrophe exposure.
This section is the insurer-side risk-transfer layer. It helps readers separate the direct insurance contract from the behind-the-scenes structures that support line size, catastrophe protection, earnings stability, and capital management.
Readers on the consumer side rarely see reinsurance directly, but it influences pricing, catastrophe management, and how insurers manage large or concentrated exposures.
Start with Reinsurance, then compare Treaty Reinsurance with Facultative Reinsurance.
Read Proportional Reinsurance, Excess of Loss Reinsurance, and Retention together.
Use Ceding Company with Retention and Underwriting. Those pages explain how the direct insurer still owns the customer relationship even while risk is being ceded behind the scenes.
| If the issue is… | Start here | Then read |
|---|---|---|
| An individual large risk needs separate market support | Facultative Reinsurance | Retention, Ceding Company, Commercial Insurance |
| The insurer wants an ongoing sharing arrangement across a book | Proportional Reinsurance | Treaty Reinsurance, Retention, Premium |
| The insurer wants severity or catastrophe protection above a kept layer | Excess of Loss Reinsurance | Retention, Ceding Company, Actuarial Basics |