Reinsurance by Hand: Quota Share, Surplus Treaties, Excess-of-Loss Layers, Reinstatements & the Ceded Result
See how insurers share risk. You will split premiums and claims under quota share, size surplus lines, apply excess-of-loss layers to single and catastrophe losses, price reinstatements and compare gross and net results, all with fictional insurers and every cell checked as you go.
One-time payment · lifetime access · lessons, labs, exam and certificate included · no subscription.
About this course
This course explains reinsurance treaties through clear spreadsheet calculations with a fictional insurer and reinsurer. You split premiums and claims under a quota share and add the ceding commission, size a surplus treaty with retention lines and a cession % per risk, and apply per-risk excess-of-loss layers with MIN and MAX. You stack layers into a tower, add up catastrophe claims per event with SUMIFS, work out reinstatement premiums pro rata to amount and time, price a layer with burning cost, trend, loading, rate on line and payback, and compare programmes on net result and volatility. Illustrative numbers – not insurance, investment or legal advice.
Lessons
- Quota Share: Ceded Premium, Ceded Claims & the Ceding Commission Pro
- Surplus Treaties: Retention Lines, Capacity & the Cession % per Risk Pro
- Per-Risk Excess of Loss: Attachment, Limit & the Layer Loss of Each Claim Pro
- Layers & Towers: Stacking XL Layers and Following a Loss Upwards Pro
- Catastrophe Events: Adding Up Claims per Event, Retention & Limit per Event Pro
- Reinstatements: Restoring the Limit and Paying Pro Rata to Amount and Time Pro
- Simple Pricing: Burning Cost, Trend, Loading, Rate on Line & Payback Pro
- Programme Comparison: Net Result, Volatility & What the Cover Costs Pro