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.

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.

Flexible payment-level split

Allow authorised users to enter custom percentages or amounts when claim circumstances require a bespoke funding allocation.

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.

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