Harbor Point Re US operates as our casualty and specialty center. We also write US-based quota share and property per risk business. We underwrite reinsurance treaties in all regions of the world. 

Harbor Point Re US sources business through the broker market. We target clients with strong balance sheets, demonstrated market expertise, a proven management strategy and the ability to provide comprehensive exposure data. We reinsure regional and national insurance companies that write on both an admitted and non-admitted basis. 

Harbor Point Re US’ capacity per program is $20 million for all classes of business other than marine and energy, which is $50 million.

Casualty

We provide reinsurance for all types of casualty risks, including general liability, umbrella and excess liability. We generally write casualty on a quota share basis but also consider excess of loss treaties. We look for clients with a demonstrated track record and expertise. We also reinsure casualty clash covers on an excess of loss basis.

Professional Liability

We write directors & officers (commercial, financial institution, private and non profit), errors & omissions (lawyers, architects & engineers, employers professional liability) and fiduciary and fidelity coverage. We reinsure medical and non-medical liability insurers primarily on a quota share basis.

Non-Standard Auto

We write non-standard auto coverage on a quota share basis. We target experienced clients with substantial exposure data, including business produced by MGAs.

Workers Compensation

We write per person and catastrophe exposed workers compensation business. We generally focus in the  catastrophe area on an excess of loss basis.  We generally require maximum any one life warranties of $5 million on all catastrophe exposed business.

Property

We write US-based personal and commercial property risks on a quota shares and per risk excess of loss basis. We require occurrence caps on all treaties.

Aviation

We provide reinsurance for commercial airline hull and liability as well as general aviation.  We write on a quota share and excess of loss basis frequently using industry loss warranties. We also write aviation retrocessional business.

Marine and Energy

We provide coverage for a variety of marine and energy risks, including hull, cargo and liability, both onshore and offshore. We write quota share and excess of loss, as well as retrocessional business.

Surety, Credit and Political Risk

We write surety reinsurance primarily on an excess of loss basis and entertain mortgage insurance primarily on a capped quota share basis. We underwrite trade credit and political risk programs on both an excess of loss and quota share basis.

Crop

We reinsure multi-peril and crop hail risks on a stop loss or quota share basis.  We underwrite predominately US and Canadian risks, although we consider some international risks.

Terrorism

We write terrorism coverage on an excess of loss basis, including nuclear, radiological, biological and chemical (NRBC) coverage when priced appropriately.