OFFERING CUSTOM WARRANTY PROGRAMS & RISK MANAGEMENT SOLUTIONS
FOR THE CONSTRUCTION, RESTORATION, REMEDIATION & REMODELING INDUSTRIES


REINSURANCE

The Four Points Re, SPC Ltd. segregated portfolio facility is an ALTERNATIVE RISK FINANCING VEHICLE for insureds looking for the advantages of a captive insurance company, without the time and financial commitment involved in establishing a wholly-owned insurance company of their own.

Segregated Portfolio (SCP) Rent-A-Captive Programs are customized to reduce your cost of insurance.

In a segregated portfolio setup, a modest premium is paid to cover expenses and expected losses.  Then the participant posts collateral, often in the form of a Line of Credit (LOC), to secure the difference between the premium and the program’s aggregate limits thus creating a situation where the policy is fully funded.  At the end of the policy (after all claims obligations are identified or eliminated), the collateral and any premiums not met to pay losses is returned to the participant.

The benefits for participants are as follows:

  • The insured is able to assume a portion of their risk, thereby participating in underwriting and investment results
  • Access to reinsurance markets, which can be more efficient sources of coverage than primary insurance markets
  • Obtain risk pricing that is based on its own experience rather than a primary company’s pooled loss experience
  • Access to experts who will help you arrive at creative and effective answers to any risk-financing situation
  • Lower administrative costs and responsibilities
  • No significant capital requirement

Find out if a segregated portfolio facility is right for you.  Learn more at www.4pointsre.com.




 
 
 


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