Services

Agricultural insurance presents unique challenges, both for insurers and for reinsurance providers. As the sector continues to evolve, increasing weather volatility and a growing range of insured perils are creating new challenges for agricultural insurers. Effective reinsurance solutions require in-depth market knowledge, innovative programme structures and a clear understanding of each client’s strategic objectives.

Over several decades, König & Reeker has established itself as a leading reinsurance broker for the agricultural and horticultural sectors in Europe. Our specialists take a holistic approach to risk assessment, analysing exposures, data and portfolio characteristics to develop tailored insurance, reinsurance and risk management solutions.

Our expertise ranges from traditional reinsurance arrangements to sophisticated structured solutions. We support clients across a broad spectrum of agricultural risks, including crops, livestock and greenhouses. König & Reeker is also a member of AIAG, the International Association of Agricultural Production insurers, based in Zurich.

Captive solutions can play a central role in a comprehensive risk financing and risk management strategy. As part of our risk advisory services, we help clients evaluate,structure and optimise captive arrangements that support long-term risk and capital management objectives.

Our focus is on helping clients manage, control and reduce the total cost of their risk. We work closely with clients to identify, quantify and evaluate risk exposures, supporting the development of effective risk transfer, risk retention and risk mitigation strategies.

Our services include:

• Identifying opportunities to enhance programme efficiency
• Developing actuarially sound pricing frameworks for intragroup insurance arrangements
• Conducting actuarial and analytical assessments to evaluate risk exposures
• Performing actuarial risk and exposure analyses to support portfolio structuring and decision-making
• Designing and placing reinsurance programmes for captive insurers
• Optimising reinsurance structures through advanced modelling techniques

Cyber risk has become one of the most significant and rapidly evolving risk categories of the 21st century. Cyber incidents can lead to business interruption, damage to critical IT infrastructure, data breaches, the loss of intellectual property and significant financial losses.

As cyber threats continue to evolve, insurers and reinsurers face increasing challenges in assessing, pricing and managing cyber exposures. Coverage concepts, portfolio development and the scope of insurable losses are constantly adapting to new threats, technologies and regulatory requirements.

König & Reeker combines market expertise with up-to-date industry intelligence to develop tailored insurance and reinsurance solutions that address today’s cyber risks while anticipating future developments.

Effective cyber risk management requires a combination of risk transfer and risk mitigation strategies. In addition to designing and placing reinsurance programmes, our specialists support clients with:

• Assessing specific coverage requirements and programme objectives
• Developing and refining cyber insurance and reinsurance concepts
• Engaging specialist cyber risk experts where required
• Supporting insurers in the design and implementation of cyber insurance products
• Evaluating portfolio exposures and accumulation risks
• Optimising cyber reinsurance structures and risk transfer strategies

For more than 60 years, König & Reeker has supported insurers with specialised reinsurance expertise in the field of fine art and collectibles. Our solutions are tailored to the unique requirements of private collections, museums, exhibitions, galleries, storage facilities, art dealers and classic vehicle collections.

We arrange protection for both static and transit exposures, including specialised cover for terrorism risks. Through long-standing relationships with leading international markets, we provide access to high-quality reinsurance capacity and bespoke programme structures.
Our reinsurance partners include renowned Lloyd’s syndicates, operating through Lloyd’s Insurance Company S.A., Brussels, as well as leading international and continental European reinsurers. All participating markets maintain strong financial ratings and extensive experience within the fine art insurance sector.

Our solutions include both proportional and non-proportional reinsurance structures, including:

• Facultative and optional facilities
• Line slips
• Quota share arrangements
• Excess of loss programmes
• Aggregate and reporting excess of loss structures

Depending on programme requirements, we can provide access to capacities of up to EUR 500 million through our reinsurance partners. Through our proprietary Fine Art Cover, first established in the 1950s, we can offer capacities of up to EUR 50 million at short notice. Additional capacity can be arranged where required.

König & Reeker provides specialised facultative reinsurance solutions across a wide range of marine and transportation risks. We help clients secure additional capacity beyond treaty reinsurance programmes through tailored facultative structures and market access.

Our expertise spans a broad spectrum of marine exposures, including:

• Marine Cargo
• Marine Hull
• Builders’ Risks
• Marine-related storage risks
• Event Cancellation and other specialty transportation-related classes

Working closely with leading international markets, we design solutions that reflect the specific risk profile and underwriting objectives of each client. Our reinsurance capabilities include both proportional and non-proportional structures, such as:

• Facultative placements and facilities
• Line slips
• Quota share arrangements
• Surplus treaties
• Excess of loss programmes
• Reporting excess of loss structures

Through our proprietary Marine Cargo Cover, first established in the 1950s, we can provide short-notice capacity of up to EUR 12.5 million, with access to additional capacity where required.

Our reinsurance partners include leading Lloyd’s syndicates, operating through Lloyd’s Insurance Company S.A., Brussels, as well as established international and continental European reinsurers. All participating markets maintain strong financial ratings and extensive experience across marine and transportation risks.

Natural catastrophe risks are becoming increasingly complex. Climate change, rising insured values, growing accumulation exposures and the increasing frequency and severity of extreme weather events continue to reshape the risk landscape and place greater demands on risk management.

Drawing on historical loss experience, current exposure data and extensive market expertise, we help clients assess, quantify and manage natural catastrophe risks. Our analytical approach supports the development of sustainable insurance and reinsurance solutions, aligned with both risk profiles and market conditions.

For low-frequency, high-severity catastrophe exposures, we work closely with specialised modelling partners to provide a comprehensive view of risk accumulations and potential loss scenarios. This enables insurers and risk managers to make informed decisions and strengthen their preparedness for future catastrophe events.

Our natural catastrophe reinsurance solutions combine scientific analysis, advanced modelling techniques and practical market expertise. We structure and place customised reinsurance programmes with leading international markets, providing efficient and sustainable protection against complex catastrophe risks.

The renewable energy sector presents unique challenges, requiring specialised expertise in risk assessment, insurance programme design and facultative reinsurance placement.

König & Reeker supports insurers and energy companies in managing the complex risks associated with renewable energy projects. Our focus is on controlling insurance costs, securing efficient risk transfer solutions and minimising the financial impact of operational and project-related risks.

Our experience spans all major renewable energy technologies, with a particular focus on offshore wind and solar energy projects across Europe and Asia. We help clients evaluate globally distributed exposures, identify peak risks and access the international facultative reinsurance market for tailored capacity solutions.

Through highly efficient placement processes and long-standing market relationships, we design streamlined and cost-effective facultative facilities, providing access to substantial capacity from highly rated reinsurance markets.

By combining technical expertise, careful contract analysis and strong market positioning, we help clients improve transaction efficiency, optimise programme structures and reduce administrative complexity. We also provide dedicated support throughout the handling of major claims.

Our expertise includes:

• Experience across all renewable energy technologies
• In-depth technical understanding of current energy technologies and operational risks
• Extensive expertise in international insurance and reinsurance programmes
• Tailored risk advisory services and customised insurance and reinsurance solutions
• Strong access to specialist facultative and reinsurance markets
• Advisory services relating to alternative risk transfer solutions, including special purpose vehicles (SPVs)