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Casualty Reinsurance

Managing liability claims, from motor and general liability to product liability, enabling broader coverage at competitive rates.

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P&C

Casualty lines carry long tails and latent-claim risk. Experience and exposure rating with increased-limits factors underpin disciplined pricing of liability excess layers.

Power Re approaches this line as a specialist: we assess each risk on its own merits, price it with actuarial rigor, and structure cover that genuinely fits the cedant’s exposure and objectives, never a one-size template.

Structures

How we structure it

The structures we most often deploy for this line, proportional and non-proportional, tailored to your book.

Liability XoL

Excess of loss on large liability claims.

Clash cover

Protection where one event triggers multiple policies.

ILF pricing

Increased-limits-factor discipline on long-tail exposures.

Risk

Key risks & considerations

What we focus on when we underwrite this line.

Long tail and latent claims; reserve uncertainty.
Social and claims inflation.
Clash across policies and lines.

Our appetite

Liability books with stable, credible loss development and disciplined limits management.

Technical note

Experience and exposure rating use increased-limits factors (ILFs); clash cover addresses events that trigger multiple policies.

Models

Actuarial modeling

The frequency and severity models we use to price this line, and the loss it aggregates to.

Frequency models

PoissonNegative binomial

Severity models

LognormalParetoGeneralized Pareto (EVT tail)

Collective risk model

$$E[S]=E[N]\,E[X],\quad \operatorname{Var}(S)=E[N]\operatorname{Var}(X)+\operatorname{Var}(N)\,E[X]^2$$

Frequency and severity combined into aggregate loss S; heavy tails modeled with Pareto or the GPD, and layers priced with exposure curves.

Severity models

Severity model	Typical use
Lognormal	Body of the loss distribution, attritional claims
Gamma	Moderate, positively skewed claims
Pareto	Large claims and heavy tails
Generalized Pareto (EVT)	Extreme tail above a high threshold

Discipline

Our underwriting approach

The discipline is the same across every line we write.

Risk selection

We assess each risk on its merits and let marginal business go, growth by quality, not volume.

Pricing discipline

Experience and exposure rating, credibility-weighted, load the price for volatility and cost of capital.

Accumulation control

Clear limits manage concentration by event, geography and cedant across the portfolio.

Claims partnership

Fast, fair and transparent claims handling, the moment our promise is tested.

Why Power Re

Why cede Casualty Reinsurance to Power Re

✓
Specialist expertise
Deep technical knowledge of the line and of the Latin American market.
✓
Fast, clear decisions
A timely yes or no, with terms and capacity you can rely on.
✓
Financial strength
13× regulatory solvency coverage and a disciplined retrocession program.
✓
Long-term partnership
We co-design programs and stand with cedants through the cycle.

Let’s build resilient portfolios together

Partner with a reinsurer that combines technical discipline, financial strength and deep regional insight.

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