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 allows retail clients 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 retailers the coverage they need

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

Retail clients often have distribution centre locations with high property and business income exposure. To protect both assets and income, they need adequate, reliable capacity year after year. Without stable capacity, a supply reduction can force clients to 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 clients requires transparency and trust.

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

In order to enter into long-term partnerships, retail 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 relationships with clients. By contrast, AFM stable business model and capacity give retailers the assurance they need.


Provides coverage and pricing stability

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

Retail clients can't always absorb a large swing in a budget line item such as insurance. They also can't always afford to retain high levels of exposure if the coverage they need isn't economically available. Retailers that partner with AFM can be confident that as the market moves, and capacity ebbs and flows, AFM remains committed to working with them to stabilise their coverage, at competitive pricing.

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