Reinsurance-backed programs for risks no single carrier will hold.

Some exposures are too large, too volatile, or too unusual for one carrier's appetite — but that doesn't make them uninsurable. Working with fronting carriers, reinsurers, and capacity partners, we structure programs where the risk is shared by markets built to hold it.

Coverage options

Facultative Reinsurance Support

Single-risk reinsurance arranged behind your primary carrier when one exposure — a high-value schedule, an unusual liability, a one-of-a-kind asset — exceeds what any direct market will retain on its own paper.

Quota Share & Excess of Loss Structures

Proportional and non-proportional reinsurance structures behind a program, so premium and losses are shared across markets in defined layers rather than concentrated in one balance sheet.

Fronting Arrangements

Admitted policy paper issued by a licensed fronting carrier with reinsurance or captive capacity behind it — compliant, certificate-ready coverage for risk that conventional admitted markets decline.

Purpose-Built Programs

For groups, associations, franchises, and classes of similar businesses: program design, underwriting guidelines, and capacity negotiated around the niche — instead of forcing every member into ill-fitting standard forms.

Layered & Shared Placements

Towers built across multiple carriers and reinsurers — primary, buffer, and excess layers coordinated so limits stack cleanly with no gap, and no overlap you're paying for twice.

Captive Reinsurance Coordination

Reinsurance placed behind a captive insurance company — protecting the captive's capital from severity while it retains the working layer it was built to hold.

Why clients choose Geneva Insurance Group

We Speak Underwriting

Reinsurance-backed structure lives or dies on data. Our submissions arrive complete — exposures, loss context, corrective actions — documented the way reinsurance underwriters actually price, which is why markets engage with them.

Independent, Whole-Market View

We're an independent agency, not a market's distribution arm. If your risk belongs in the conventional or surplus-lines market at a lower cost, we'll tell you — structure is a tool, not a sales pitch.

Direct Capacity Conversations

We are in active partnership conversations with reinsurers and capacity providers specifically for high-risk, underserved niches — transportation, protective services, high-value physical damage — where standard appetite is thinnest.

Honesty About the Timeline

A reinsurance-backed program is built, not bought. Expect weeks to months, real data requirements, and honest checkpoints — if the economics stop making sense, we say so before you've spent another month on it.

Frequently asked questions

Can a business buy reinsurance directly?

No — reinsurance is insurance for insurance companies, so it always sits behind a licensed insurer. What a business can do is benefit from reinsurance-backed structure: a fronting carrier or captive issues your policy, and reinsurers take agreed shares of the risk behind it. Geneva's role is arranging and coordinating that chain — the policy you hold is still issued by a licensed carrier, with the capacity behind it negotiated to fit your risk.

What kinds of risks need a reinsurance-backed program?

Three patterns we see most: exposures too large for any single carrier's appetite (high total insured values, tall liability limits); classes with little or no standard-market appetite (security firms, new-venture trucking, exotic vehicle inventory); and groups of similar businesses that want their own program with underwriting guidelines built for their niche instead of rates built for everyone else's.

What is facultative reinsurance, in plain language?

Reinsurance negotiated for one specific risk, individually underwritten — as opposed to treaty reinsurance, which covers a whole portfolio automatically. If your single risk is the thing the market struggles with, facultative support behind a willing carrier is often what turns a decline into a quote.

How long does it take to structure a program?

Longer than a standard placement, and we're honest about that up front. A facultative placement behind an existing policy can come together in weeks; a purpose-built program with fronting and reinsurance typically takes months and meaningful data. We scope the timeline in the first conversation so you can plan renewals around reality.