Print To assess whether Discover Re and Alternative Risk Transfer can support the needs of your clients, the following questions are offered as a self-screening tool to assist agents, groups, associations, and insureds in determining if an alternative risk solution with Discover Re may be right for them. 1. Do you have an established, historically profitable commercial lines insurance program generating at least $3 million annual premium? Why? A positive track record can predict future profitability Discover Re only writes commercial lines (general liability, property, auto liability and physical damage, and workers compensation) Programs below $3 million in premium tend to be more volatile and carry higher expense loads as a percentage of premium Note: Historically profitable insureds can be grouped together to generate the $3 million premium target 2. Do the historical losses tend to be predictable, frequency-driven claims vs. severity-driven claims? Why? Our customers typically take risk on the smaller, predictable losses that can be reduced over time. Severity-driven claims and high-hazard classes of business are tougher to control and drive up costs due to the exposure. 3. Do you have a specialized knowledge, risk management, and/or service advantage that makes you or your customer a preferred insurance risk? Why? These items can be leveraged as competitive advantages that help attract and retain customers and reduce the total cost of insurance over time. 4. Do you have enough confidence in your program's profitability that you will risk significant dollars in addition to the premium paid? Why? Our alternative risk model requires our program sponsors to assume some financial risk in order to access the potential rewards of increased control, underwriting profits and investment income, and long-term stability. 5. Do you desire a relationship with an innovative insurance company that designs its products in a collaborative fashion based on the unique needs of each customer? Why? This is the specialty that Discover Re has pursued with passion for over 13 years! If your responses are generally positive, please click here to contact us with your opportunity.