We structure ILS programs that connect client portfolios to institutional capital, creating scalable, cost-efficient alternatives to traditional reinsurance.
Our approach aligns risk with investor appetite across multi-year, multi-class structures, supporting growth without the constraints of annual market cycles.
From modeling to execution, we manage the full transaction lifecycle to ensure transparency, speed, and performance. When markets tighten, access to aligned capital becomes a strategic edge. We help clients take control.
Why ILS Matters
Access to Untapped Capital - Opens non-traditional capital from pension funds, private credit, and ILS investors - reducing dependence on reinsurers.
Enhanced Yield Efficiency - By removing reinsurer overhead and using structured collateral, more of the premium goes toward returns - improving investor economics.
Casualty-Focused Predictability - Targets stable less volatile sub-classes like general liability, workers comp and commercial auto - enabling pooling of smaller, predictable losses.
Stable, Uncorrelated Returns - Delivers equity-like returns with bond-like volatility - uncorrelated to traditional markets, appealing to institutional capital.
Structural Flexibility - Custom vehicles allow for operational leverage, trust control, and alignment across cedents and investors - adapting to risk appetite.
Benefits for MGAs
Broader Capital Access - Connects MGAs to investor-backed capacity, offering scalable support beyond traditional reinsurers.
Improved Economics - Structures enable margin beyond commissions through efficient risk sharing and capital efficiency.
Stability & Longevity - Multi-year and low-volatility structures provide underwriting stability and reduce re-placement friction.
Diversification of Partners - Brings in new capital providers-reducing over-reliance on a single carrier or market.
Strategic Growth Alignment - Supports the MGA’s long-term vision, not just tactical placement-fueling enterprise value creation.
Benefits for Insurers
Capital Relief & Optimization - Transfer risk off balance sheet to free up regulatory capital and improve capital efficiency
Alternative Risk Financing - Finance portfolio growth using reinsurance capital that avoids equity dilution and restrictive covenants
Expense Ratio & Margin Improvement - Enhance margins through a low cost of capital to generate an override that lowers expense ratio without threatening performance
Volatility Management - Access structured, low-volatility capacity that smooths earnings and reduces capital strain from shocks
Capital Diversification - Mitigate cyclical risk and reduce volatility by partnering with a truly diversifying capital provider
What Makes Us Different
What sets Augment apart is our ability to connect risk with the right capital. We bring together global reinsurers, ILS funds, and private investors to design solutions that deliver stability for carriers and attractive returns for capital providers.
For us, it is not about placement. It is about alignment, sustainability, and long-term value on both sides of the table.
Our ILS team is aligned with a single goal - helping clients unlock and deploy capital to build enterprise value.
Thad Hall Partner, ILS Solutions
