Reinsurance management for treaty, facultative, and ceded loss recovery

Manage treaty and facultative agreements in one place, unified with policy, billing, and claims. Automated cession tracking, bordereaux, and reconciliation keep ceded risk and financials clear.

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Cession Without the Manual Gaps

OneShield Enterprise includes reinsurance cession management as part of policy administration, not as a separate product joined by an integration layer. Reinsurers, treaties, and facultative arrangements live in one registry, treaties attach to policies as business is written, and ceded premium, commissions, and losses are calculated and allocated to participants from the same records. Bordereaux, general ledger entries, and Schedule F data are produced from that data rather than assembled from exports.

• Treaty and facultative, proportional and non-proportional, across multiple layers and participants
• Ceded premium, commissions, and losses calculated at coverage, risk, and policy level
• Premium and loss bordereaux, general ledger entries, and Schedule F data from one source
• Treaty utilization tracked with alerts before capacity runs out
• Reinsurer portal access so partners can self-serve their book of business

How Reinsurance Works in OneShield

Five stages, from setting up a reinsurer through reporting the ceded book. Each one runs on the same records as the policy and claim that created the cession.

Partner and Treaty Setup

Set Up Reinsurers and Treaties Once

Create and approve reinsurance partners, then build the treaty structures your program actually uses, across multiple layers and participating reinsurers.

Key capabilities:

• Create and approve reinsurance partners in one central registry
• Run treaty creation through a defined approval process
• Support per risk and aggregate arrangements, loss attaching or risk attaching
• Configure quota share, surplus, and excess of loss cession types
• Place risk across multiple layers and participating reinsurers

Policy and Risk Association

Attach Treaties as Business Is Written

Treaties attach to policies based on the attributes that govern them, so cession is decided at the transaction rather than reconstructed in a month-end cleanup.

Key capabilities:

• Associate treaties automatically by line of business, jurisdiction, coverage, and attachment point
• Associate a treaty manually when a policy needs an exception
• Refer risks to facultative based on underwriting guidelines
• Create and approve facultative arrangements in the same workflow

Ceded Risk and Premium

Calculate Cessions Without a Spreadsheet

Ceded and retained risk, premium, and commissions calculate at coverage, risk, and policy level, then allocate to each participating reinsurer.

Key capabilities:

• Calculate ceded and retained risk, premium, and commissions at coverage, risk, and policy level
• Allocate ceded premium across participant reinsurers
• Cede risk and premium manually where a facultative arrangement requires it
• Recalculate cessions when endorsements, cancellations, and post-bind changes land

Ceded Losses in Claims

Recover Losses Without Re-Keying Claims

Claims that touch a reinsurance contract are identified as they are handled, with the ceded portion calculated and allocated to the right participants.

Key capabilities:

• Trigger loss notifications automatically based on carrier guidelines
• Calculate ceded losses and allocate them to participant reinsurers
• Invoice and collect reinsurance recoveries from reinsurers

Portfolio Management and Reporting

See the Whole Ceded Book in One Place

Bordereaux, ledger entries, utilization, and dashboards come from the data that produced the cessions, so reporting does not start with a reconciliation.

Key capabilities:

• Generate premium bordereaux with policy, risk, and coverage level detail
• Generate loss bordereaux with claim and risk level detail
• Produce premium and loss summary bordereaux
• Create general ledger entries for all reinsurance financials
• Track treaty utilization and monitor remaining capacity
• Review reinsurance dashboards across the ceded portfolio
• Search reinsurers, treaties, and facultative contracts

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