Those insured’s who want to assume significant retentions through a large deductible or SIR may do so through our Segregate Cell Captive facility in Bermuda.

Primarily the lines of Auto & General Liability and Workers’ Compensation.

• Policy(s) issued by “A” rated carriers

• Aggregate reinsurance within the policy

• Insured’s funds placed in a segregated account protected by Bermuda law

• Underwriting and investment income accrues to the Insured’s account in a tax free domicile

• Universal’s Collateral Alternative program can provide Letters of Credit