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A process by which one insurer acts as the official “front” insurer by issuing a policy, but then passes all or portions of the risk to another insurer or reinsurer in exchange for a commission. Often the fronting insurer is licensed to do business in a country where the risk is located, but the ultimate insurer or reinsurer is not. This scenario also arise where an organisation uses a captive to retain substantial portions of risk, but needs to issues local policies for each of it operations.