White Rock offers Segregated Account, Protected or Incorporated cell facilities where each insured's business is legally segregated from all other cells in the chosen vehicle. These cells can be used by clients who wish to have a direct-writing, or reinsurance facility without the need to establish a separate company.


  • Risk retention platform without capital nor management time required of insurance subsidiaries
  • Set up and closure faster than insurance subsidiaries
  • Ideal for companies unsure about forming an insurance subsidiary as a way to get first experience of self-retention
  • Incubate new risk until performance has been measured
  • Flexibility in programme design
  • Speed of set up and exit
  • Coverage may be available in the reinsurance market that is not available from direct insurers facilitating partial risk transfer options


White Rock's fronting solution is available in the following domiciles:

Case Study: Retention

Read case studies about Retention here »