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Use cases across the ceded reinsurance lifecycle, how an agent-driven workbench decides what it decides, and what it does not do.
A cat loss arrives from claims. By the time the panel pays, it has been told, billed, reinstated, stated and chased — and every step a person took was an answer to something already prepared.
A bound slip becomes a treaty proposal with its layers and panel, every field citing the passage it came from — or left blank and named as missing.
When a claim crosses the treaty’s reporting threshold the notice is drafted and held. A reinsurer with no contact on file gets no guessed addressee.
A paid loss above the cash-call threshold should not wait for the quarterly account. Each reinsurer’s share, drafted and held for release.
Eroding a layer costs money. The engine raises the premium pro rata from the loss date, only while a reinstatement remains; the agent drafts the notice.
A layer close to running out, what has already fallen back to the carrier, and the scenarios sized from the layer’s own limit — before the CRO hears it elsewhere.
Strike the bordereaux, send the statements, and refuse to close a period that still has drafts. Late cessions roll to the next open period, not into a closed one.
Recoverables aged by reinsurer, a chaser drafted with its evidence and its tone, escalation proposed — and nobody writing the email from scratch.
The reinsurer’s statement says one thing and the ledger another. Matching within tolerance, proposed offsets, and what stays a person’s call.
Thirty per cent of the panel balance with one reinsurer against a twenty-five per cent limit. Ratings, concentration and news, turned into a credit proposal.
Schedule F drafted from cessions and panel shares in the ledger — and an honest list of what is missing, from collateral to NAIC identifiers.
Experience by year, reinstatement premium paid, the panel and its ratings — assembled before the broker asks, and clear about what Cede never receives.
A treaty with no panel, a panel that adds up to 95%, cover that overlaps, a treaty expired but still active, a line nobody protects. Found, and a fix proposed.
A claim event that matches no contract, a cession that looks wrong, a transaction refused at the door. What the agents explain and what a person decides.
Every agent action has a level on a dial. It moves only on evidence — agreement over many answers — and a kill switch drops it to Draft at once.
The moment two systems both claim to own net, they disagree. Cede owns it; underwriting, claims and Pulse read it through the data API, and Cede never writes back.
Risks-attaching or losses-occurring, inuring order, contra rows, the hours clause. The deterministic engine decides the cession; an agent never computes one.
Who prepared it, at what level, from which evidence, with which prompt version, at what cost — and what the person answered. The record the auditor asks for.
Monday to Friday on the ceded desk: the queue, the decisions answered, the work that no longer starts from a blank spreadsheet.
The programme, the renewal and the panel — what the head of reinsurance reads, approves and leaves to the dial.
Net results, recoverable ageing, concentration and Schedule F — the outwards programme as the CFO and the CRO need to answer for it.