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Non Proportional Reinsurance

Generic description for those reinsurance contracts where the reinsurer agrees to provide coverage based on premiums and claims which are not proportionate to those of the original risks taken on by the insurer. The contracts may be arranged as treaty reinsurance or on a facultative basis. Types of non proportional reinsurance include first loss, excess of loss, catastrophe loss or aggregate excess of loss, spread loss, and clash cover.