Captives & cells
Dedicated entities, protected or incorporated cells, segregated portfolios and contractual structures. Record the actual legal basis and creditor recourse.
SYNTHETIC WALKTHROUGH · NO LIVE BUSINESS
Risk, connected.
Capital, protected.
Bring inward and outward reinsurance, captives and ring-fenced portfolios into one accountable operating view. From the first submission to the final recovery.
Treaty · Facultative · Retrocession · Captives
Ring-fenced portfolio / exampleSynthetic data
Separate records. Controlled decisions.Open example →
ONE ATLAS FAMILYIndependent email verificationCompartment-scoped accessFour-eye approvalsVersioned evidence
INWARD & OUTWARD
Two directions.
One controlled lifecycle.
Record assumed risks and ceded protection separately. Preserve the original terms, signed participation, limits, counterparties and evidence for every decision.
01 / DEFINESet the perimeter
Legal entity, compartment, permissions, capital, third-party risk appetite and restricted assets.
02 / UNDERWRITEReview the risk
Counterparty KYB, pricing evidence, catastrophe accumulation, contract certainty and independent authority.
03 / ADMINISTERReconcile the book
Premium, exposure and claims bordereaux, data mapping, collateral and technical accounting.
04 / RECOVERClose with evidence
Claims, recoverables, payment instructions, disputes, commutations and run-off.
RING-FENCED BY DESIGN
Keep the boundaries
visible and enforceable.
Contract and settlement references cannot cross compartments. Exposure checks include other submitted commitments, third-party sublimits and counterparty limits.
Solvency in context
Own funds, requirements, coverage, collateral haircuts and shortfalls from validated inputs. Keep restricted capital separate; no automatic group diversification credit.
Authority at every step
Role, entity, department and compartment access. Independent approvals, Board reservations, bounded delegation and retained decision history.
Software segregation does not establish legal ring-fencing or insolvency protection. Each structure requires local legal, regulatory and actuarial validation. No live binding, capital model, bank payment or regulator filing connection is enabled.
CONFIGURABLE INSURANCE RISK
A broad risk universe.
A precise mandate.
Support risk classes your firm is licensed and approved to accept. Class, territory, currency, capacity and third-party limits are controlled per compartment.
DEPARTMENTAL GOVERNANCE
From the Board
to the operating desk.
First-line ownership, independent Risk and Compliance, and third-line Internal Audit. Human review remains central to underwriting, solvency and settlement.
JURISDICTION-AWARE
Local requirements.
Connected evidence.
Isle of Man, Jersey, Guernsey, UK, EU, UAE, Cayman Islands and Bahamas. Select the actual licensed entity, EU Member State or UAE regime and effective rules.
SECURITY & TRUST
Separate access.
Shared Atlas safeguards.
Eight-digit email verification, expiring sessions, adaptive verification cooldowns, all-device sign-out and server-side permissions. External security services and independent assurance remain implementation requirements.