Structured Insurance Solutions

A captive is a subsidiary insurance company created and owned by a non-insurance business to insure its own risks. Captives allow organizations to retain underwriting profit, gain access to reinsurance markets, and manage risk more cost-effectively than through commercial insurance.

W&I insurance covers financial losses arising from breaches of representations and warranties in a sale and purchase agreement (SPA). It is widely used in M&A transactions to facilitate deal completion, reduce escrow requirements, and shift risk to an insurer.

International programs typically use a "master policy" issued in the parent company's country combined with "local admitted policies" in each country of operation. This ensures global consistency of coverage while complying with local insurance regulations in each jurisdiction.

Parametric insurance pays a pre-agreed sum when a defined trigger event occurs (e.g., an earthquake above a certain magnitude, rainfall below a defined level) — without requiring proof of actual financial loss. It provides fast, transparent payouts for risks where traditional indemnity insurance is inefficient.

Yes. We have the capability to act as global insurance program manager for UAE-headquartered corporations — coordinating broking, placement, and claims across multiple countries through our international network of correspondent brokers.

Structured solutions typically become economically viable for organizations with total insurance premiums exceeding AED 2–5 million annually, or with highly complex risk profiles that cannot be adequately addressed through standard market solutions.