Your Preferences

You can switch off cookie types by clicking or pressing on their name. Mandatory Cookies cannot be disabled. You can change these preferences anytime.

Mandatory Cookies

These cookies are necessary for the website to function and can't be switched off in our systems. They are usually only set in response to actions you made which result in a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies but some parts of the site may not work as a result.

Functional Cookies

These cookies allow the provision of enhance functionality and personalization, such as videos and live chats. They may be set by us or by third party providers whose services we have added to our pages. If you donít allow these cookies, then some or all of these functionalities may not function properly.

Advertising Cookies

These cookies are set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant ads on other sites. They work by uniquely identifying your browser and device. If you don't allow these cookies, you will not experience our targeted advertising across different websites as a result of these cookies.

Business insurance


Risk Financing and Captive Management

Indwe has assembled a team of highly skilled professionals focused on one goal: providing clients with comprehensive solutions to cover the financial effect of unexpected losses including the procurement of insurance. Risk financing is a risk management technique used to build capacity in order to absorb risk and reduce the total cost of risk over time. We provide bespoke solutions to cover various risks faced by our clients.

    Examples of where risk financing solutions would be utilised:

  • Excess buy down from conventional policies
  • Uninsured losses
  • Difficult-to-insure risks
  • Excess layers on conventional insurance policies
  • Ground up cover for an entire portfolio
  • High severity/low frequency losses
  • Clients with volatile insurance expense costs from year to year

Risk Financing Solutions:

Cell captives

A special purpose vehicle whereby the insurer’s licence is extended to the cell owner for the insurance of their risks. Capitalisation is required in terms of prudential regulations. Profits are made available to the cell owner through a preference dividend.

Contingency policy

A contingent policy is an insurance policy with unique terms and conditions. An experience account is maintained to the client’s benefit, indicating the premium received, less claims paid, expenses and claim reserves, plus investment income earned on the net balance, less insurer’s fees. A performance bonus is declared which can be utilised to fund the risk retention.

    Benefits include:

  • No set-up costs incurred
  • The fund is managed to benefit the client and is especially appropriate for risks that are difficult to transfer or highly priced conventional insurance
  • More affordable than conventional insurance for high frequency, low severity type losses
  • Performance bonus is declared at policy expiry from profits relating to a good loss history
  • Provides access to specialised insurance knowledge and service and reinsurance markets

Spread loss policy

A spread loss policy (finite risk policy) is a multi-year (3-5 years) insurance policy with unique terms and conditions. The policy provides cover over a fixed term longer than one year, with deductibles, annual limits, term limits and minimum premiums set at inception. Premiums are adjustable within certain parameters according to the loss experience. An experience account balance is maintained, for which adjustment premium may be payable or a performance bonus receivable at expiry.

    Benefits include:

  • Cash flow from an effective line of credit to fund unexpected losses
  • Assists with protection against low frequency, high severity losses
  • Protection against income statement vitality


To provide you with the best possible quote, please fill in the form below and one of our advisors will contact you shortly.