Facultative Reinsurance and Structured Risk

Facultative reinsurance is a vital tool that helps insurers manage challenging exposures and maximise their participation in placements by transferring risk elements that might otherwise exceed their appetite or net capacity.

It can help you to:

• Keep within risk appetite by carving out challenging risks or locations
• Reduce volatility by transferring risks that could cause sudden or excessive losses
• Manage risk accumulation by reducing exposure to attritional and aggregated losses
• Enter new product lines and business areas with confidence
• Protect your capital position and meet solvency requirements

Access globally integrated solutions

Willis’ Facultative team is ideally placed to help you achieve your aims. With more than 150 reinsurance specialists based in our global hubs, we have the expertise, agility, and scale to deliver tailored, globally-integrated solutions wherever in the world you need them.

Our Facultative brokers work across borders and territories to provide the right capacity for the right risk, sourcing from more than 100 reinsurers, from large established to smaller emerging markets.

Make smarter data-driven decisions

We use quantitative analysis and sophisticated risk modeling to better understand the risks you want to transfer and give you a clearer view of your risk transfer options.

Through clear, data-driven insights, we’ll help you make smarter, better-informed buying decisions that align with your strategic and financial goals and are a better match of risk to capital.

Our Facultative reinsurance specialists can also help you design and structure programs to maximize coverage and benefits for you and your clients, working with you to find solutions that benefit all stakeholders involved in a placement.

Industries and global lines of business we support

• Property
• Casualty
• Construction
• Natural resources
• Financial, professional and executive risks (FINEX)
• Financial solutions
• Marine
• Aerospace
• Surety

Talk to us

Whether you want to grow, manage volatility, transfer problematic risks or enter new product areas, our Facultative team has the experience and global reach to help you achieve your business objectives.

Get round the clock service

Our brokers make themselves available and accountable, working to your priorities and in your language, ensuring precision, clarity and confidence in every interaction.

• We’re accessible 24 hours a day, trading across more than 100 markets in 15 territories. This enables rapid placement and responsiveness to market opportunities.
• We’ll partner with you to consider reinsurance options and help you build meaningful capacity across current product lines and when exploring new ones.
• We’ll provide a dedicated account team and share information, data and insights to help you manage your risks, with ease of access through a single platform.

A broader perspective on risk

We use quantitative analysis and sophisticated risk modeling to build a deeper understanding of the risks you want to transfer and present innovative tailored solutions to help you manage them. We also advise on how to structure programs and placements to optimize benefits for you and your clients.

This broader perspective, combining creative thinking with analytics, can help you to make better risk decisions that are more aligned with your organization’s strategic and financial goals, and a better match of risk to capital.

Once a placement is complete, we’ll start looking towards the next renewal and how we can help you mitigate your risks, optimize your risk management and potentially further reduce the overall cost of risk to your business over the longer term.

How we work: a consultative approach

Our Facultative and Structured Risk team provide a personalized approach to support your risk strategy. We’ll work with you to explore your options and identify how a facultative solution could help you achieve your objectives.

We’ll never start our conversation with you by thinking in terms of products. Instead, we’ll work with you to understand why you may need to use a facultative solution, so we can help you plan for the short and long term.

Where a placement is appropriate, we'll use our global reach and placement experience to help you achieve your goals and exceed your ambitions.

Stats as at 1 August 2024

How our service can benefit you

Quantitative analysis

You benefit from…

• Our enabling approach to data, supporting your business objectives.
• Sophisticated modeling and analytics to empower smarter decision making.
• Our creative thinking, helping you stay at the forefront of change.
• A quantitative mindset in all of our placement and service offerings.

Consultative approach

You benefit from…

• Our strategic, advisory approach that supports effective long-term risk management.
• The value we place on long-term relationships.
• Our consultative principles – understand, assess, communicate, execute, manage.
• A holistic approach to your needs that goes beyond the initial placement.

Dedicated to providing excellent client service

You benefit from…

• Our commitment to making ourselves available and accountable.
• Precision, clarity, simplicity and consistency as core principles.
• Committed to timely responsiveness and speed of access to market.
• Our commitment to work to your priorities and in your language.

Collaboration and transparency

You benefit from…

• Seamless collaboration between our global and regional networks.
• Ease of access to transparent information through a single data platform.
• Our strong relationships with both established and emerging Lloyd’s reinsurers.
• An account team built to support your relationship with WTW.

Talk to us about your risks

Whether you want to grow, manage volatility, transfer problematic risks or enter new product areas, WTW’s Facultative and Structured Risk team have the experience and global reach to help you achieve your business objectives.

To learn more about smarter ways to manage your risk exposures, please get in touch with our specialists listed at the top of the page.