Risk Sharing Arrangement

One claim payment, the right underwriter split, automated and reliable.

Automate claim payments by drawing funds from multiple co‑underwriter or reinsurer accounts using fixed, controlled preset, or payment-specific percentages.

Book a demo

Flexible risk-sharing payments

Match each payment to the right risk structure.

Vitesse allows insurers, reinsurers, MGAs, and TPAs to pay claims from multiple funding accounts while preserving a single payment experience, clear fund segregation, and audit-ready reporting.

Eliminate manual allocation effort

Automate payment splits and remove spreadsheet‑based calculations.

Improve payment accuracy

Ensure claim payments draw from the correct funds with controlled allocation logic.

Adapt to complex risk structures

Support preset or bespoke multi‑currency allocations across co‑insurance and reinsurance arrangements.

Built for complex insurance funding

Control how each co‑underwriter funds each claim.

Configure eligible funding accounts at payment account level, then define how each claim payment draws funds. Vitesse records the funding split, payment activity, and account movements to support transparency, reconciliation, and delegated authority oversight.

Underwriting panel

Define which underwriter funding accounts can support each payment account, helping prevent incorrect fund sources from being used.

Embedded Foreign Exchange (FX)

Funding sources can be held in any of the 25+ supported currencies, with payments available in 100+ currencies. Currency conversion happens automatically where required.

Approved preset blends

Give users a controlled list of allowed splits, suitable when contracts include scenarios or sections with different participation rules.

Single claimant payment

The claimant or vendor receives one payment while Vitesse allocates the funding draw across participating underwriters.

Traceable reconciliation data

Each payment and funding movement is recorded against Vitesse accounts, supporting bordereaux matching, reporting, and audit trails.

Insurance use cases

Designed for subscription, proportional treaty, quota‑share, surplus, and co‑insurance workflows.

Co-insurance arrangements require each participant to fund its share of claims. Vitesse supports this operationally by linking payment accounts to authorised underwriter funding accounts and applying the right split when payments are instructed.

Carriers with co‑insurer and reinsurer partners

Draw each claim payment from the right carrier or capacity provider funds, reducing manual split calculations and improving visibility across shared risk programs.

MGAs managing multiple capacity providers

Segregate capacity provider funds while issuing one claimant payment, helping MGAs strengthen governance and reduce reconciliation effort in delegated authority models.

TPAs paying on behalf of insurers

Give TPAs controlled payment execution while insurers retain visibility over balances, fund sources, and claim‑level payment activity.

Complex claims with variable splits

Use preset or payment-specific blends when a fixed contract split is too rigid, such as multi‑section claims, exceptions, or adjusted participation.

Frequently Asked Questions

Find quick answers to common questions about Vitesse's risk sharing services.

How do Vitesse risk-sharing payments work?

Vitesse enables a single claim payment to be funded automatically by multiple underwriters, capacity providers and reinsurers according to their respective share of the risk. Each participant’s funds remain separately managed, while Vitesse calculates and draws the required contribution from each funding account when a payment is initiated. The claimant or service provider receives a single payment, while the underlying contributions are recorded separately, providing clear visibility, reporting and reconciliation for each participating party.

What types of insurance risk-sharing arrangements can Vitesse support?

Vitesse supports co-insurance and subscription arrangements, quota share and other proportional structures where multiple carriers, capacity providers or reinsurers contribute to the same risk. These structures can sit within delegated authority arrangements and layered programmes, with funding and payment allocations reflecting the underlying participation of each party. Vitesse is also developing support for more complex structures, including surplus treaties, layered allocations and reinsurance recovery workflows.

How are funding splits between parties sharing a risk determined and controlled?

Funding splits can be configured to reflect the underlying insurance arrangement. Fixed participation percentages can be applied automatically to every payment, while predefined splits can be selected where participation varies by scenario or claim type. Permissions and a full audit trail help ensure that any variation remains controlled and traceable.

How does Vitesse maintain fund segregation and control when multiple parties share a risk?

Each carrier, capacity provider or reinsurer can maintain its funds in separate funding accounts linked to payment accounts representing programmes. When a payment is made, Vitesse draws the appropriate amount from each contributing account according to the agreed split. Funds remain separately identifiable throughout, with permissions, transaction-level records and a full audit trail providing visibility and control for each participant.

How does Vitesse simplify payment execution and reconciliation for shared risks?

Vitesse turns multiple funding obligations into a single payment to the claimant or service provider. The appropriate contribution is automatically drawn from each participating account, removing manual split calculations and separate payment instructions. Each contribution remains linked to the payment, account, contract and reference data, creating a single source of truth for reporting and reconciliation across all participating parties.

All Products

Want to learn more?

Book a call now and unlock the potential of our products tailored to your needs.

Book a call

See all products