Reinsurance Platform Software for Cedants and Specialty Operators across the UAE

Six connected capability areas: (1) Facultative placement workbench with risk submission, broker engagement, quote comparison, and binding flow. (2) Treaty cession engine with live retention calculation at bind and compliance enforcement. (3) CAT accumulation live per bind with peril rollups. (4) Bordereaux generation per reinsurer template with configurable schemas. (5) Retrocession and captive cession layer for groups with offshore reinsurers. (6) Leadership dashboards for treaty compliance, loss ratio by programme, and capacity utilisation.

Around those six, most cedants and reinsurers also want: Lloyd's Dubai coverholder connectivity, reinsurance broker statement reconciliation, intercompany pricing for captive flows, and a reporting layer feeding the reinsurance GL.

Sapiens Reinsurance ships treaty and facultative accounting and reporting as part of the CoreSuite. FINEOS focuses on life and disability with reinsurance as part of the claim lifecycle. These are established platforms integrated with the vendor's own core.

Custom reinsurance platform software is designed to sit alongside whichever platform a firm already runs, closing UAE-specific gaps - DIFC specialty placement patterns, Lloyd's Dubai coverholder connectivity, post-flood CAT expectations, captive cession to Guernsey or Bermuda reinsurers, and Arabic documentation for Arab-world placements. The vendor core retains its authority. The platform handles the UAE-reality layer.

A facultative placement starts as a risk submission with structured data capture - risk details, exposure, loss history, policy wording preferences. Broker market approach tracks each reinsurer contacted, response received, and line offered. Quote comparison structures pricing, terms, exclusions, and capacity across markets. Binding and signing flow completes with formal documentation and records.

The timeline is preserved as a natural artefact. Post-loss review, reinsurer query, or audit request becomes a data pull rather than an email-thread reconstruction. DIFC-based reinsurers including Hannover Re, Swiss Re, Munich Re, and Lloyd's Dubai coverholders are treated as structured placement targets.

Treaty programmes - quota-share percentages, excess-of-loss layers, facultative obligatory treaties - are configured per line and per programme year. At bind, retention and cession calculate automatically. Treaty compliance - retention limits, exclusions, country aggregates, class of business restrictions - is enforced rather than reviewed after the fact.

Attempted binds outside treaty terms route to referral before completion. Treaty net position updates continuously. Cession accounts tie back to policy-level records, supporting monthly or quarterly treaty settlement with reinsurers.

Peril exposure - flood, fire, wind, earthquake, business interruption, contingent business interruption - accumulates against treaty capacity and geographic aggregates at each bind. Capacity utilisation is visible live. Potential capacity breach surfaces before bind completion rather than in the following bordereau.

Post-2024 floods and USD 2.9-3.4 billion of UAE insured flood losses drove tighter treaty terms at 1 January 2025 renewals. Live accumulation tracking is now a commercial expectation for cedants managing programmes post-flood.

UAE groups frequently operate captive reinsurers in Guernsey, Bermuda, Isle of Man, or Cayman for vertical integration. The second cession layer - direct to captive, captive to retrocessionaire - is modelled as first-class flow with retrocession terms, premium flow, and reporting automated.

DIFC reported its first re-domiciliation of a Guernsey-based captive in 2024, signalling growing onshore captive activity. The ADGM USD 1 billion reinsurer launched in May 2025 by IHC, BlackRock, and Lunate adds new retrocession capacity within UAE jurisdictions.

Here's where custom reinsurance platform software typically sits in a wider stack.

Core platforms - we sit alongside Guidewire, Sapiens CoreSuite and Reinsurance module, Duck Creek Policy, Fadata INSIS, and in-house platforms for core policy and accounting records.

Placement and broker systems - we integrate with Whitespace and Advent ISS for Lloyd's electronic placement, and with reinsurance broker portals from Howden Re, Aon Reinsurance Solutions, Guy Carpenter, Gallagher Re, and Lockton Re.

CAT and actuarial - we output in formats used by RMS, AIR Worldwide, Impact Forecasting, and Milliman for CAT modelling and actuarial review.

Integration approach is scoped during discovery. We don't ask you to rip and replace anything that works.

Discovery runs six to eight weeks (longer than primary lines due to programme and captive scope). Working with your underwriting, reinsurance, finance, actuarial, and compliance teams, we map treaty programmes, facultative practice, CAT approach, and retrocession flows. Output is a detailed report covering current-state map, platform architecture, integration scope, phased implementation plan, and fixed-price build proposal.

Build for an initial reinsurance platform runs sixteen to twenty-four weeks from discovery completion. Full treaty, facultative, CAT, and retrocession rollout phases in over twelve to twenty-four months depending on programme count and captive complexity.

Pricing varies materially by programme count, captive structure, and line mix. A bracket isn't published; discovery produces a fixed-price proposal with no obligation to proceed.