Property Facultative Reinsurance
Facultative reinsurance for property exposures across the Eastern Caribbean — catastrophe, all risk, and fire & perils.
Property Facultative Solutions for the Caribbean
ECRC's facultative products allow insurers and brokers to place individual risks with us, 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, residential and mixed-use properties.
- Hurricane, windstorm, earthquake
- No minimum risk size
- All-risk coverage for commercial and industrial risks as agreed
- Commercial, industrial, hospitality, government and residential risks considered
Property Facultative — Fire and Perils Only
Our non-catastrophe 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
Condominiums and Housing Associations
Where We Operate
ECRC writes property facultative risks throughout the OECS plus Barbados and Trinidad & Tobago.