Nearly $1M annual premium savings and board-level control for a global conglomerate
A diversified multinational across agri-inputs, logistics, food processing, energy, and minerals, with a decade of disciplined risk management, strong loss history, and complex multi-geography marine cargo exposures.
The client's marine risk was insured through a traditional market placement that had become fragmented across geographies and policy periods, leading to premium inefficiency and limited leverage with carriers. Despite a decade of disciplined risk management and a superior loss record, pricing and terms did not fully reflect the underlying risk quality.
Cash-flow was negatively impacted by premium timing, and the client had little direct influence over claims handling or program design across complex stock-throughput exposures spanning transit, processing, and storage.
A PCC structure lets sophisticated insureds capture underwriting economics on predictable layers, while a unified Stock Throughput Program reduces leakage and complexity across transit, processing, and storage. Direct reinsurance access strengthens pricing tension and keeps capacity responsive through the market cycle.
Protected Captive Cell (PCC) established in Guernsey to retain well-understood layers of marine risk
Comprehensive Stock Throughput Program (STP) unifying goods in transit, processing, and storage under one architecture
Calibrated risk appetite and retentions aligned to loss history and capital efficiency
Direct access to reinsurance markets for excess layers and catastrophe protection
Governance, reporting, and claims protocols to strengthen control and transparency
Goods in Transit
Processing
Storage
Premium Reduction
~$1M annual savings
Net Annual Benefit
>$500K after costs
Cash-flow Enhancement
Investment income lift
Enhanced Control
Claims handling authority
Flexible Terms
A-rated capacity globally
Guernsey selected for proportional regulation and mature captive ecosystem
Experienced captive management appointed for end-to-end administration
Seamless integration into existing risk processes while preserving global security standards