An insurance company's capacity—their supply of insurance—determines how much coverage they can offer and at what price. Unstable capacity leads to unstable coverage availability and pricing. AFM's financial strength and property expertise allow education institutions to have access to large amounts of stable capacity. Through the market swings of the past 10 years we have been able to more than double the amount of capacity available to clients.

Stable capacity is important because it:

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Gives clients the coverage they need

Large blocks of capacity available year after year help education clients stabilise coverage availability and pricing.

Education clients tend to have single locations with very high amounts of property and income exposure. To protect these assets, they need large amounts of capacity they can count on year after year. Without stable capacity, a supply reduction can force clients to either scramble for capacity from multiple carriers or tolerate excessive risk acceptance.

AFM reduces clients' exposure to third party coverage and capacity volatility by reducing the amount of reinsurance utilized.


Supports long-term partnerships

Developing long-term partnerships between insurers, brokers and their education clients requires transparency and trust.

Their consistent underwriting and keeping their agents up to speed on current underwriting developments has been great.

In order to enter into long-term partnerships, education clients need to know what to expect. An insurer who moves in and out of markets, shrinks coverage and adjusts pricing frequently jeopardises the trust essential for developing ongoing meaningful relationships. By contrast, AFM's stable business model and capacity give colleges and universities the assurance they need.


Provides coverage and pricing stability

Large increases in operating costs can affect the learning experience you provide your students.

A large swing in a budget line item such as property insurance can reduce the funds available to invest in a first-class educational experience. Higher education institutions also can't afford to retain high levels of exposure if the coverage they need isn't available at an acceptable price.

AFM clients can be confident that, as the market moves and capacity ebbs and flows, AFM remains committed to stabilizing their coverage—at competitive pricing.

Read about how we partner with clients to stabilise wind capacity.