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 health care institutions to access large amounts of stable capacity. Through the market swings of the past 10 years, we more than doubled the 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 health care clients stabilise coverage availability and pricing.

Health care clients typically have single locations with very high amounts of property and income exposure. A dramatic capacity reduction can force them to scramble for capacity from multiple carriers—or tolerate higher deductibles or reduced coverage limits. Stable capacity helps clients secure the coverage they need.

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 clients requires transparency and trust.

Continue to think 'long term'. I see Affiliated FM as the most stable and consistent market that I do business with. That is extremely important to me and our clients.

In order to enter into long-term partnerships, health care institutions 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 relationships. AFM's stable business model and capacity give health care clients the assurance they need.


Provides coverage and pricing stability

A stable product and service offering helps clients know what to expect.

A large swing in a budget line item such as property insurance can reduce the funds needed to invest in health care services for patients. Yet health care institutions can't afford to retain high levels of exposure if the coverage they need isn't available at an acceptable price. AFM health care clients can be confident that, as the market moves and capacity ebbs and flows, we will remain committed to stabilizing their coverage—at competitive pricing.

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