Solutions
We help organizations across industries bridge protection gaps and enhance resilience.
In today’s challenging insurance landscape, marked by hard market conditions in casualty and property lines, our alternative risk transfer (ART) solutions provide essential relief.
Drawing on deep industry expertise, we focus on multi-year, multi-line structured solutions, captive aggregate stop loss insurance, and excess aggregate loss insurance.
Custom Program Structures
We provide multi-year, multi-line (or mono-line) structured insurance programs. Lines of coverage may include Property, General Liability, and Auto Liability, with additional focus on Cyber, Professional Liability (E&O), Workers’ Compensation, and other specialty lines.
Our underwriting strategy emphasizes disciplined risk selection, data-driven insights, and close alignment with experienced underwriters focused on niche markets.
Serving Fortune 1000 Companies with Complex Risk Needs
Built for large corporate insureds, primarily Fortune 1000 companies, that face complex, high-severity risks difficult to insure through traditional channels. These organizations often operate in sectors like real estate, manufacturing, logistics, hospitality, and the public sector, where insurance market volatility, rising premiums, or capacity constraints have created significant coverage challenges.
Alternative Risk Transfer Solutions for Greater Stability and Control
With an exclusive focus on alternative risk transfer (ART), Laplace creates multi-year, capital-efficient programs that blend self-retention or self-funding with tailored risk transfer, offering clients greater stability, transparency, and cost control.
By combining data-driven underwriting with deep actuarial and financial structuring expertise, Laplace helps corporate insureds and their brokers access coverage where traditional markets fall short.
A Strategic Partner for Complex Risk Placement
We distribute our solutions exclusively through broker partners who specialize in large, complex commercial risks. These brokers play a central role in identifying clients whose coverage needs exceed the capabilities of traditional insurance markets.
Together, we co-develop structured programs tailored to each client’s risk profile, financial objectives, and retention appetite. This relationship-driven model ensures that every solution is both strategically aligned and grounded in rigorous underwriting and financial analysis, allowing brokers to deliver greater value to their most sophisticated corporate clients.
Individually Structured Coverage for Every Risk Profile
Each solution is individually structured based on the client’s risk profile, financial objectives, and retention appetite, with coverage spanning lines such as Property, General Liability, Auto Liability, Professional Indemnity and various specialty segments.
Capital-Efficient Solutions That Align Cost with Risk
By integrating actuarial modeling, funding strategies, and excess-of-loss protection, Laplace delivers capital-efficient alternatives that close gaps, reduce dependence on the standard market, and align insurance spend with long-term risk performance.
High-Capacity, Multi-Year Programs for Complex Risks
Backed by highly rated paper (A- IX or better) and structured to offer meaningful capacity.
Focused on multi-year, multi-line or mono-line structured insurance programs, with a preference for risks involving high-severity, low-frequency exposures.
Lines of coverage include Property, General Liability, Auto Liability (buffer), Miscellaneous Professional Liability, D&O, and facultative reinsurance of captives or structured solutions.
Advanced Risk Analytics and Structuring Support
Laplace provides its strategic broker partners with deep risk analytics and program structuring services, capabilities that many ART competitors either cannot deliver or choose not to due to the labor-intensive nature of such work. This hands-on support enables more precise, tailored, and capital-efficient program design.
Conflict-Free Underwriting Capacity
Laplace’s capacity partners enable underwriting across virtually all market opportunities without internal competition. This unique positioning allows Laplace to operate with greater flexibility, neutrality, and responsiveness when delivering solutions for complex risks.
Laplace is particularly well-suited to sectors where insurance market volatility, rising premiums, or capacity constraints have created significant coverage challenges such as real estate, hospitality, manufacturing, logistics, food and beverage, and public sector entities—while excluding higher-hazard segments like aviation, mining, and unsecured credit risks.
Structured to respond where traditional capacity is volatile or constrained, Laplace targets opportunities where self-funding and strategic retention can unlock smarter, more sustainable risk transfer.
By using an experience account or notional funding model, clients retain a portion of their premium within the structure, allowing for profit participation if losses remain low. This approach enables greater control over risk financing, stabilizes pricing over time, and fills critical gaps left by traditional markets. Every program is bespoke, developed through close collaboration with brokers and based on a deep actuarial assessment of the client’s historical performance, financial objectives, and risk tolerance.