Specialty Risk & Reinsurance

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Overview

SRM provides specialty risk placement and reinsurance support as part of its broader multi-line specialist broking capability, assisting with capacity and structuring requirements where additional technical support is required.

01 Specialty Risk Solutions

SRM’s specialty risk division provides tailored solutions for a variety of specialist and high-severity exposures. These include terrorism and political violence, financial institution crime, liability programmes, bespoke schemes, personal accident, kidnap and ransom, commercial property, and marine insurance. Each solution is structured to address specific operational, financial, and jurisdictional considerations.

02 Terrorism and Political Violence

Terrorism and political violence insurance provides protection against losses arising from politically motivated acts, civil unrest, and malicious damage. Cover may include terrorism, sabotage, riots, strikes, civil commotion, and property terrorism. Political risk insurance can additionally include expropriation, non-payment, contract frustration, and currency inconvertibility.

03 Bonds and Guarantees

Surety bonds and guarantees help clients secure obligations, unlock funding, and meet complex regulatory and contractual requirements. From structuring to placing, SRM bonding solutions-support infrastructure, commercial, and financial ventures across jurisdictions, helping clients de-risk commitment enabling capital-backed growth.

04 General Liability

General liability includes public liability, employers’ liability, and professional indemnity. Underwriters provide protection against claims for bodily injury, property damage, negligence, or litigation costs arising from the insured’s operations.

05 Bespoke and Affinity Programmes

SRM develops tailored schemes such as extended warranty products, consumer insurance programmes, affinity-based solutions, and bank-related insurance products. These structures are adapted to specific partner or customer needs.

06 Personal Accident

Personal Accident insurance provides financial support in the event of accidental injury, disability, or death. It can be arranged for individuals or for large groups, depending on client requirements.

07 Kidnap and Ransom

Kidnap and Ransom insurance provides protection for losses associated with kidnapping, extortion, ransom payments, medical expenses, or crisis response requirements.

08 Commercial Property

Commercial property insurance protects business premises, buildings, and contents against fire, theft, natural disasters, and accidental damage. It is suitable for businesses that either own or lease their premises.

09 Marine Insurance

SRM’s Marine Specialty Division provides coverage across multiple maritime risks, including hull and machinery, marine equipment, cargo, stock throughput, protection and indemnity, ports and terminals, marine trades, builders risk, and mortgagees interest. These solutions are supported by specialist marine markets and tailored underwriting structures.

Reinsurance Solutions

01 Facultative Reinsurance

Facultative reinsurance is arranged for individual risks requiring additional capacity or specialist underwriting. Classes commonly supported include property, engineering, aviation, liability, and marine. SRM prepares structured submissions and negotiates directly with reinsurers to secure appropriate limits and pricing.

02 Treaty Reinsurance

SRM arranges treaty reinsurance for insurers seeking long-term capacity across defined portfolios. Treaty structures may include proportional or non-proportional arrangements across property, marine, miscellaneous accident, and motor classes. In treaty reinsurance, the reinsurer contractually accepts all risks that fall within the defined parameters of the treaty.