> For the complete documentation index, see [llms.txt](https://docs.onre.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.onre.finance/for-insurers/capacity-access.md). # Capacity Access We provide reinsurance capacity by allocating fully funded capital into segregated accounts that are legally protected under Bermuda’s SAC framework. Each insurer receives its own account, which holds all premiums, reserves, and collateral supporting the program. This ensures that the capital backing one program is never mixed with or exposed to another. When we take on a new program, we start with a review of the insurer’s underwriting approach, historical results, and how the coverage is structured. Once terms are agreed, we open a dedicated segregated account and fund it with the premiums paid upfront, along with any additional collateral needed to support the expected claims profile. All reinsurance obligations are fully collateralized from day one, which removes counterparty credit risk and avoids the need for external financing or leverage. Insurers access this capacity through a process that is intentionally familiar. After the account is funded, coverage begins immediately, and we maintain the reserves throughout the policy period. We publish daily onchain valuation updates so insurers can see, in real time, the amount of capital held, how much premium has been earned, how much remains reserved, and how claims activity affects the account. This transparency is one of the most meaningful advantages of our model, adding clarity without changing established operational workflows. Any capital in the account that is not required for near-term claims or coverage is allocated to low-volatility collateral assets. These assets produce steady yield while maintaining sufficient liquidity to meet claims as they arise. The capital is never reused elsewhere, never borrowed against, and never exposed to speculative strategies. This structure gives insurers the dependability of fully reserved reinsurance supported by transparent, ring-fenced capital and modern reporting infrastructure. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://docs.onre.finance/for-insurers/capacity-access.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.