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Reinsurance Symposium 2016 Reinsurance Symposium 2016 MAY 10–12, 2016 GEN RE HOME OFFICE, STAMFORD, CT A Berkshire Hathaway Company Reinsurance Symposium 2016 MAY 10–12, 2016 | GEN RE HOME OFFICE, STAMFORD, CT The Strategic Use of Facultative Presented by Anne Caliento and Steve Moran Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 2 A Little About Us Anne Steve • Started with GPF in Chicago in 1989 • Started with GCF in Kansas City in 2001 • Boston Branch Underwriter since 1991 • Casualty Branch Manager since 2009 • Graduated from Hope College in MI with • Graduated from Westmar College in Iowa a BA in Business with a BA in Business Management • Prior to Gen Re worked for the Four • Prior to Gen Re worked in Des Moines and Seasons Hotel in Chicago Omaha with Travelers and ERC in KC • Team Leader for REGIONAL Client • Team Leader for REGIONAL Client Segment Segment - Property Casualty Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 3 Fac Trivia Which City was the First Gen Re Facultative office opened? Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 4 • Reinsurance Products • Fac or Fiction • Prop Fac Agenda • Cas Fac • Programs / Bundled Fac • The Direct Model • Takeaways Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 5 Spectrum of Reinsurance Products Major Types of Reinsurance Treaty FACULTATIVE PROGRAMS TREATY • Certain group or class of business reinsured under a single contract • While in force, neither party has an option to ceding and assuming risk related to the business covered under the contract Facultative • Separate reinsurance contract Pro Rata Excess of Loss negotiated on each risk • The ceding company retains the right (faculty) to purchase reinsurance on an individual risk Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 6 Fac or Fiction What do YOU think of when you hear the word “Fac?” Fac or Fiction • Facultative is only used by Stock Companies • Using Facultative creates extra work for underwriters • Facultative is additional cost and expense • Facultative can turn a bad risk into a good risk • Facultative is only useful for high excess capacity • Facultative is only bought on fire perils Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 7 Fac or Fiction Can Facultative be a useful TOOL? Fac or Fiction • Can Facultative help Grow your Business? • The best layer to buy Facultative is the frequency layer. • Can Facultative help Retain Your Business? • Facultative coverage never pay claims? • Can Facultative help Improve Your Underwriting? Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 8 Motivations For Purchasing Facultative Grow Retain Improve Underwriting • Tough piece of otherwise • Treaty exclusion • We see a wide scope of risks acceptable account (carve • Treaty protection • Underwriting expertise and out) • Good risk with new severity second opinion • Cover the “gap” between exposures • Emerging issues Treaty and net risk appetite • Good risk with recent large • New line of business losses • Accommodation business • New / Difficult jurisdiction for an important agent Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 9 Fac or Fiction (I need a low quote) Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 10 Use Fac to Write MORE Profitable Business Not JUST the Line/Exposure in question AUTO WORKERS’ COMP GENERAL LIABILITY PROPERTY Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 11 Use Fac to Write MORE Profitable Business Use Fac to Bring them Back AUTO WORKERS’ COMP GENERAL LIABILITY PROPERTY Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 12 Insurance Trivia What event can insurance as we know it today, be traced? A. London Fire B. Chicago Fire C. Titanic D. San Francisco Fire Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 13 Property Coverages Perils Coverages • All Risk • Building, Personal Property, Business Income / Business Interruption • Named Perils and EC • Boiler and Machinery / Equipment Breakdown • Flood • Inland Marine • Wind • Service Interruption • Earthquake • Contingent Time Element • DIC • Other • Other Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 14 Property – Classes of Business From Homeowners to Petrochemical – The Good, The Bad, The Ugly • Residential / Homeowners • Agricultural • Retail and Service • Vacant Properties • Manufacturing / Processing • Petrochemical, Pulp and paper, Semiconductor • Warehousing / Storage • Fidelity and Crime • Auto Physical Damage • Inland Marine Coverage Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 15 Property Facultative – Carve Out Examples FAC Helps You Reduce Volatility and Unknowns • Spot location – That one unique risk on a schedule • Nat Cat Perils – Flood, EQ, Wind, etc. • Unprotected risks • Impaired risks • Builders risks • Dealer’s Open Lot • Jewelry and fine arts (schedules and individual items) • High-valued vehicles • Transit Exposures (single trip and annual floaters) • DIC • Contractors Equipment Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 16 Insurance Trivia Per FMCSA the Average Fatal Large Truck Accident Costs? A. $1,350,000 B. $2,250,000 C. $2,710,000 D. $3,800,000 Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 17 Casualty - The Basics The Common Stuff Specialty Lines • Auto • EPLI • GL • Product Recall • Products • Med Mal • Premises • E&O • Umbrella • D&O • Excess • LPL • Liquor Liability • OCP/RRP • WC… > Normal attachment is 500K > Up to 5M in capacity Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 18 Casualty: Real Life Examples • Workers Comp • GL – Regular – Discontinued Products – Carve outs – Tail / ERP coverage • Industrial Aid Aircraft – Designated events, locations, jobsites, states • Transportation, Scuba divers, pit crews (NYLL) • Auto • Umbrella – Carve out auto or GL only, – UM only (perhaps in a certain state) PERSONAL! – Poor driver(s) (MVR) (Age) • Unique Risk …or just near or related to what – Carve-out of any and every vehicle type (Bus, is unique for your appetite. limo, LHTT, 15 passenger van, etc.) Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 19 Insurance Trivia What is the longest continuously operating insurance company in the world? A. Munich Insurance Holding B. Lloyds #468 C. Royal & SunAlliance Group D. Swiss Insurance Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 20 Programs FACULTATIVE PROGRAMS TREATY Pro Rata Excess of Loss Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 21 What is a Gen Re Facultative Program? Combines the Elements of Individual underwriting and pricing approach of Facultative reinsurance Guaranteed capacity and transactional efficiency of a Treaty Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 22 Benefits of a Gen Re Facultative Program • Easy to Use – One screen, few fields to fill • Instantaneous Response – Ability to quote, bind and endorse via the application • Automatic access to guaranteed capacity for all risks within agreed parameters • Customized specifically for your portfolio • Cost-effective, competitive pricing • Efficient processing • Agreements are mutually reviewed each year Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 23 Gen Re Connect - https://www.genre-connect.com Streamlined Facultative Solutions Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 24 Facultative and our Direct Distribution Model • Gen Re is a global organization that sees a variety of buying habits • 14 offices in North America, 33 offices across the globe Atlanta, Boston, Chicago, Columbus, Dallas, Hartford, Kansas City, Los Angeles, Montreal, New York, Philadelphia, San Francisco, Stamford, Toronto • Benefits: – Fast turnaround – Local / specific underwriting knowledge – Access to broad network of expertise – Underwriter-to-underwriter conversations Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 25 Takeaways Facultative can help you GROW your business. Facultative’s DIRECT distribution model ensures the highest quality underwriting interactions. Our Facultative PROGRAMS are an effective and efficient solution to guaranteed capacity and pricing. Facultative Certificates can be purchased for a VARIETY of risk transfer needs. (Grow/Retain/Improved) A Property or Casualty Facultative Underwriter is READY for your call. Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 26 Reinsurance Symposium 2016 Thank you! Anne Caliento / 617 728 3803 / [email protected] Steve Moran / 913 661 6924 / [email protected] Reinsurance Symposium 2016 | The Strategic Use of Facultative | Presented by Anne Caliento and Steve Moran 27.
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