Structured Insurance Programs for Professional Liability

Structured Insurance Programs may offer an effective solution for organizations facing professional liability exposures that are complex or difficult-to-insure.

These programs differ from most traditional insurance by including some element of “structure” such as a notional experience balance, premium adjustments, the manner in which limits respond, etc.

A notional experience balance is a function of the program’s typically substantial premium or deposit premium and loss payments. Interest is credited to the balance. At a specified date after the policy period ends, the client may be eligible to receive any remaining balance.

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Potential Benefits Back To Top

Benefit from favorable loss experience
Address multiple types of exposures in one structure
Obtain multi-year capacity with price certainty
Mitigate loss volatility with multi-year coverage

Provide evidence of insurance while saving costs as compared to traditional insurance
Have significantly greater control over claims
Obtain financing on more advantageous terms
Have flexibility in terms of payment schedule