is a global powerhouse when it comes to insurance and re-Insurance market.


Universal Risk was launched in 1994, as part of Universal Holdings in Bermuda. The firm conducts its Bermuda operations, with its affiliated insurance/reinsurance company Capital Security Ltd, through R & Q Quest Management Service Limited (Quest). Quest has been operating in Bermuda since 1979 and is one of the leading independent captive and Segregated Cell Captive services companies in Bermuda. Clients include major companies from the United States, Europe, and the Pacific Rim, as well as a number of groups and associations.bermduaisland

The clients of Our Bermuda Companies have long had the protection of a Private Act of Parliament has them in segregated cells. In addition, the long standing relationships with many “A” rated admitted carriers provides further comfort.

Our Bermuda Companies acts as insurer and reinsurer under the regulatory supervision of the Bermuda Monetary Authority. It is licensed to write Property & Casualty, Warranty, Medical Benefits, and Life Insurance. So, virtually any line of coverage is eligible for Our Bermuda Companies’s participation.


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Our Bermuda Companies facilitate the following

Alternative Risk arrangements:
  • Uni-Collateral Alternative Policy
  • Med Mal Program
  • Contractor’s Liability
  • Workers’ Compensation
  • Self insured programs
  • Reinsurance Placements
  • Captive formation and management
  • Collateral Alternative
  • Self insured programs
  • Funding Arrangements
  • Quota Share arrangement with major carriers
  • Worldwide Placements