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Most self-insured individual and group programs purchase reinsurance to protect against the catastrophic and unfunded event. Although self-insureds naturally have a greater appetite for risk, most need some degree of certainty for maximum exposure; reinsurance can offer this.  Additionally, many regulators will not grant approval to a new program (or even an existing program) without reinsurance in place. The reinsurance market is highly specialized and often complicated.  An experienced reinsurance broker with the right connections is invaluable, especially as you look for carriers to partner with the long-term goals of your program. Through an in-house reinsurance intermediary, Novus Insurance Brokers can assist you in designing the coverage structure as well as the insurance placement.

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