Cell Captive
Guardrisk’s cell structure enables it to offer clients an equity participation in a licensed insurer through a shareholding agreement. The […]
Guardrisk’s cell structure enables it to offer clients an equity participation in a licensed insurer through a shareholding agreement. The structure is likened to that of a honeycomb with separate classes of shares, with each class comprising a single cell. Each cell is represented by a separate class of ordinary shares with specified dividend rights. Clients subscribe for these shares and the client, as cell owner, is afforded the risk financing and conventional insurance capabilities enjoyed by a licensed insurer.. Cells are a valuable risk management tool, providing companies with a vehicle in which to write their own insurance risks. Risks which are typically insured in a cell include excess buy down layers or risks which are uninsured or uneconomical to insure in the conventional insurance market. Risk identification is based on a sound understanding of the client’s business and its associated risk spectrum. Cells allow participants to access the conventional insurance and reinsurance markets directly and cost-effectively to cover their excess and catastrophe exposures. Cells are a useful corporate governance and risk management tool as they provide organizations with a single vehicle in which to insure all enterprise related risks. Medium to large organizations with risk exposures.
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