Property Facultative Reinsurance
Individual risk facultative reinsurance for property exposures across the Eastern Caribbean — catastrophe, all risk, and fire.
Facultative Solutions for Caribbean Property
ECRC's property facultative reinsurance products allow primary insurers to place individual risks with us on a risk-by-risk basis, giving both parties the flexibility to negotiate terms and structure each placement to suit the specific characteristics of the risk.
We offer two distinct facultative products — one covering catastrophe and all-risk perils, and a higher-limit product covering fire peril only — giving cedants maximum flexibility depending on the nature of the risk and the coverage required.
Property Facultative — Catastrophe & All Risk
Our CAT & All Risk facultative product covers the full range of property perils relevant to the Eastern Caribbean, including hurricane, windstorm, earthquake, and all-risk coverage as agreed. Suited to higher-value commercial, industrial, and mixed-use properties.
- Hurricane and windstorm
- Earthquake
- All-risk coverage for commercial and industrial risks as agreed
- Commercial, industrial, hotel, government and residential risks considered
Property Facultative — Fire Only
Our Fire Only facultative product offers higher maximum limits than the CAT & All Risk product, including access to a dedicated fire facility for larger placements. Suited to commercial or industrial properties where fire is the primary peril of concern.
- Fire and allied perils as agreed per risk
- Higher limits available — up to XCD 75m including facility
- Dedicated fire facility for larger commercial placements
- Flexible coverage terms negotiated risk by risk
Risks We Consider
Where We Operate
ECRC writes property facultative risks throughout the OECS plus Barbados and Trinidad & Tobago.