Your insurance premiums keep rising — and you have no significant claims.
→ There may be a Bermuda structure for that.
See how it works →
American & Overseas Reinsurance Management · Est. 1990
BMA-licensed insurance manager. Segregated accounts, life reinsurance, ILS, catastrophe bonds, captives and MGA structures — designed, set up and managed from Hamilton, Bermuda.
The questions we answer
Your insurance premiums keep rising — and you have no significant claims.
→ There may be a Bermuda structure for that.
See how it works →A hurricane shuts your business down — and your insurer disputes the loss.
→ There may be a Bermuda structure for that.
See how it works →Your life reinsurance is consuming capital you cannot afford to tie up.
→ There may be a Bermuda structure for that.
See how it works →You have specialist underwriting expertise but need infrastructure and capacity.
→ There may be a Bermuda structure for that.
See how it works →Where We Go Deep
Ring-fenced risk. Establish your own Bermuda cell on a BMA-licensed platform — legally segregated assets and liabilities. Faster to set up than a standalone company and typically requiring less capital, fully protected from other cells.
25+ years of SAC formation and management in Bermuda.Bermuda has become a leading jurisdiction for life reinsurance, helping insurers improve capital efficiency within a robust regulatory framework. We help clients evaluate, establish and manage the right Bermuda life reinsurance structure for their business.
Hands-on expertise across Bermuda's evolving life reinsurance market.The cat bond market has grown to more than $65bn in outstanding issuance, with over 90% domiciled in Bermuda. We know SPI mechanics, trigger design and investor reporting, because we have audited these structures from the inside.
In-depth experience with catastrophe bonds, ILS vehicles and Bermuda SPIs.For specialty lines establishing a Bermuda-based MGA, we guide the structure from incorporation through BMA registration, binding authority setup and ongoing compliance — and stay in as the management infrastructure behind it.
Practical expertise in Bermuda MGA formation and management.Bermuda is one of the world's leading captive domiciles, with more than 600 active captive licences and over $24 billion in annual premium. A captive lets you retain underwriting profits instead of paying them away to a commercial insurer. We specialise in captive insurance programmes under $50 million. Our core business, not an afterthought.
How it works
Arrange a meeting at a time that suits you to discuss your objectives and requirements.
We take the time to understand your business, risk profile, and objectives before recommending whether a Bermuda captive structure is the right fit.
If you decide to proceed, we'll manage the formation and licensing process, then provide ongoing insurance management, governance support, regulatory compliance support, and administrative services.
Boutique by design
For more than 35 years, we've operated from Hamilton, Bermuda. The senior professional who advises on your structure remains involved through establishment and ongoing administration, providing continuity, accountability and responsive service.