FinancialCapital Protection
Financial capital, the balance-sheet strength that supports companies' long-term decisions and sustainable growth, must be protected against risks that occur infrequently but have severe consequences when they do occur. Because of their size or specialized nature, such risks may exceed the capacity or risk appetite of a single insurance market.
Catastrophe exposures, complex liability programs, directors' and officers' liability, cyber risks, and emerging classes such as climate-related liability often require capital and specialized structuring capabilities that are not available in the local market.
The protection structures built for such risks must go beyond simply securing coverage; they must be constructed across different markets, with the right counterparties and with each counterparty's role carefully defined.
SANUS manages this entire structuring process end to end for its clients. We analyze the risk at the level of depth expected by international markets, ensure that it is presented in the right way to the most appropriate insurers, manage the engagement and negotiation process, and design a layered protection structure with the balance, capacity, and resilience required by the risk. Each placement is built around the specific characteristics of the risk.
The objective is to create a controlled and disciplined protection structure at scale. When a risk reaches a size that is material to the balance sheet, the protection built around it must be designed with the same level of seriousness: anchored in the right capacity, balanced among the right partners, and resilient enough to perform when called upon.