Excess
With the tightening of the credit markets, it is often difficult to get the coverage needed from just one carrier. Alliant Trade Credit can combine the capacity of multiple carriers together to get you the most protection possible.
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Combining Capacity Through Excess Insurance
We work with carriers to "layer" coverage on top of each other to combine capacity through excess insurance. You have a primary limit and then one or more layers of "excess" coverage above primary coverage. As you work out of a debt, the excess layers are retired first, working down to the primary limit.
Combining Capacity Through Syndication
When combining capacity through syndication, two or more insurance carriers work together to "share" a risk. They can take different percentage positions to achieve the necessary limit. In these cases, the carriers share any loss as their respective interest in the syndication appear. This can be a very powerful tool as it allows you to maximize coverage while spreading the risk around to the various insurers.
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