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Reinsurance

Placement to closing, without the spreadsheet

Reinsurance broking software that follows the placement as it actually happens — submission intake, market panel, written and signed lines, premium allocation, closings, endorsements and claims. Configured to your lines, currencies, cedants and commission structures rather than to a vendor's fixed model.

The placement is in Excel. The market approach is in email. The closing is in Word.

Most reinsurance broking operations do not run inside a system. They run across a spreadsheet that holds the panel, an inbox that holds the responses, a folder of Word templates that becomes the closing, and a broker's memory that holds the rest. It works, in the sense that deals get placed. What it costs is visibility: nobody except the broker running a placement can say where it stands, what has been signed, or what is still out.

That cost compounds. Line status drifts from what the markets actually agreed. Closings are retyped from the slip and the slip is retyped from the submission. A claim arrives and someone reconstructs which reinsurers were on the risk and at what share. Month end becomes archaeology.

Regure holds the deal as a structured record from the moment the submission arrives, and every stage after it works from that record — the placement, the premium, the closings, the endorsements and the claims.

For the underlying market concepts, see the reinsurance, cedant and slip policy glossary entries.

Submission read, not retypedCedant, insured, class, geography, period, sum insured, premium, retention and cession pulled from the document
Capacity tracked liveApproached, quoted, firm order and signed per market, with over- and under-placement flagged
Closings generatedSlip, debit note to the cedant and a credit note per reinsurer, FX-converted with the rate shown
Configured, not codedNo lines, currencies, cedants, markets or rates written into the platform — all of it is your configuration

Bring us one submission

Send a single submission and we will run it through the chain in a working session — read it, structure the deal, build the premium, place it across a panel and generate the closings.

Submission through to claims, on one record

Each stage below works from the same deal. Nothing is re-keyed between them, and every action is on the audit trail as it happens rather than reconstructed later.

01

Submission

A submission arrives as a document. It is read and turned into a structured deal — cedant, insured, class and sub-class, geography, occupation, period, currency, sum insured, premium, retention and cession — for review and correction rather than retyping. What the extraction found, and how confident it was, stays on the record.

Document extractionStructured deal recordReview before create
02

Placement and market panel

The panel sits on the deal. Each market carries its own provisional, quoted, written and signed share, moving through approached, quoted, firm order and signed — with declines recorded against a reason rather than lost in a thread. A placement queue shows the whole book at once.

Market panelWritten & signed linesDecline reasonsPlacement queue
03

Firm order and signed lines

Capacity is computed against the cession as lines come in, so the gap between what is written and what is signed is visible while it still matters. Over-placement and under-placement are flagged rather than discovered at closing.

Live capacityOver-placement flaggedSigned-line tracking
04

Premium

The cession is allocated across the markets with ceding commission and brokerage applied per market, and the totals reconcile. Where your business needs them, deposit and minimum premium, instalment schedules, profit commission, no-claims bonus and tax lines are configured too — and stay hidden for operations that do not use them.

Premium allocationCeding commission & brokerageDeposit & instalmentsProfit commission
05

Closing and documentation

The slip, the debit note to the cedant and a credit note per reinsurer are generated from the deal on your own template. Where a market settles in another currency the figure stays in the deal currency and the converted table carries the rate applied. Each generated document is recorded against the deal.

SlipDebit & credit notesMulti-currencyYour template
06

Endorsements, claims and reporting

A mid-term change re-runs the allocation for the delta and produces additional or return premium per market, with closings to match. A claim is checked against the deal automatically — inside the period of cover, against a bound cession — and allocated across reinsurers by signed share, with its own closings. Sanctions screening records sit against the parties.

Endorsement deltasClaims validationSanctions recordsBordereaux & reporting

The closing, generated from the deal

Everything above exists to produce these. When the lines are signed, the debit note to the cedant and a credit note per reinsurer are generated from the same record the placement ran on — the cession, the ceding commission, the brokerage and the tax lines are already there, so nothing is retyped from the slip and the arithmetic is not done twice.

Harbourline Re Brokers
Reinsurance closing · Debit Note

Debit Note

Debit Note Ref
RE-2026-000118-DN
Deal
RE-2026-000118
Cedant
Kestrel Insurance Co.
Insured
Thornbury Cold Storage Ltd
Amount Due from Cedant
Original PremiumUSD 1,260,000.00
Cession (75.0%)USD 945,000.00
Less: Ceding Commission(USD 236,250.00)
Net Due from CedantUSD 708,750.00
Tax Lines
VAT (5.0% on net premium, cedant)USD 35,437.50
Total TaxesUSD 35,437.50
Harbourline Re BrokersRE-2026-000118 · DN
Harbourline Re Brokers
Reinsurance closing · Credit Note

Credit Note

Credit Note Ref
RE-2026-000118-CN1
Deal
RE-2026-000118
Reinsurer
Meridian Re
Settlement
EUR
Share Received — 27.5% of cession — settles in EUR
Market Premium (share of cession)USD 259,875.00
Less: Ceding Commission (25.0%)(USD 64,968.75)
Less: Brokerage (10.0%)(USD 25,987.50)
Net Payable to ReinsurerUSD 168,918.75
Amounts in Reinsurer Currency (EUR)
Market PremiumEUR 237,785.63
Less: Ceding Commission(EUR 59,446.41)
Less: Brokerage(EUR 23,778.56)
Net Payable to ReinsurerEUR 154,560.66

1 USD = 0.9150 EUR (effective 14 Feb 2026)

Harbourline Re BrokersRE-2026-000118 · CN1
Closing documents generated from a single deal record — the debit note to the cedant and one reinsurer's credit note, with the converted table and the rate applied. Parties and figures are illustrative; the layout, line items and calculation order are the ones the closings engine produces onto your own template.

The detail behind these documents — how commission and brokerage are applied per market, how taxes and instalments appear, and what happens when a market settles in another currency — is on the closings and documentation page.

Run your reinsurance operation on it, or run it next to what you have

Both are real deployments, and neither is the compromise. Which one fits depends on what you already own and what you are willing to keep running — not on how far along you are.

Regure as the operating platform

The reinsurance operation runs here end to end. Submissions arrive, deals are structured, placements are worked across the panel, premium is built, closings are generated, endorsements and claims sit against the same record, and reporting comes off it. Broking houses that have been running on a spreadsheet and a folder of Word templates usually take this route — there is no incumbent system to preserve, and the placement and the closing are the product.

This is the model where the operational gain is largest, because nothing has to be reconciled back to a second system.

Regure alongside an existing core

Where a broker or insurer has a core system it is not replacing — a policy administration or accounting platform that holds the book of record — Regure takes the reinsurance workflow that the core does not model well: the market panel, the written and signed lines, the premium allocation across markets and the closings. The deal record is the working system for placement; the figures that matter downstream go to the core.

What that handover looks like is decided in implementation. Integrations are configured per deployment against the systems you actually run, rather than shipped as a pre-built connector list.

Both models use the same platform and the same configuration surface. See the deployment models in full for how this works beyond reinsurance, and how Regure compares to SARB if you are evaluating against a dedicated reinsurance system.

Where the reinsurance chain has been put in front of practitioners

Practising reinsurance brokers have worked the chain end to end against how they actually place. Named references are available under NDA during procurement.

Workflow evaluated against live practice

Reinsurance broking operation

Middle East / DIFC market

The reinsurance chain assessed end to end by practising reinsurance brokers, from submission intake through to closings and reporting.

  • Submission intake
  • Cedants
  • Placements
  • Markets
  • Shares
  • Premium
  • Closings
  • Debit / credit notes
  • Claims
  • Endorsements
  • Reporting
Operating today

Multi-region deployment

United States and Switzerland / Europe

Regure runs separate infrastructure per region, so data residency is a deployment choice rather than a custom build.

  • US deployment
  • Swiss / EU deployment
  • Regional data residency
  • Per-region infrastructure

Nothing about your market is written into the platform

No lines of business, no currencies, no cedants, no markets, no commission rates and no tax rules are hardcoded. They are your configuration — which is what makes the same platform work for operations that look nothing like each other.

Your structures

Quota share, surplus, excess of loss, facultative — the structure drives how premium is built, and the vocabulary is yours rather than a fixed list you have to map onto.

Your currencies and rates

Deal currency, settlement currency per market and the rates applied are configuration. Commission, brokerage and tax treatment follow the way your agreements are actually written.

Your documents

Slips, debit notes, credit notes and endorsement closings carry your layout and branding, not ours.

That configuration is set up with you and maintained as part of the Regure operating process, so a change to a structure, a rate or a template is an operating request rather than a development project. See how configuration works.

Built for broking operations, not carrier ceded-re teams

Reinsurance brokers

Facultative and treaty broking houses placing across market panels, where the placement and the closing are the product.

Specialty intermediaries

Firms whose lines, currencies and commission structures do not fit an off-the-shelf configuration and who have been told that means custom development.

Regional broking markets

DIFC and ADGM operations, the wider Middle East, India, Africa and London-adjacent desks — books written across several currencies with counterparties in more than one jurisdiction on the same placement.

Written in one currency, placed across three markets, licensed somewhere else again

Regional broking rarely happens in one currency or one jurisdiction. None of that is a special case here — it is the ordinary shape of a deal.

Deal currency, settlement currency

A deal is written in its own currency. Where a market settles in another, the figure stays in the deal currency and the converted table carries the rate applied — so a credit note to a European reinsurer and the cedant's position in dollars or dirhams reconcile without a spreadsheet in between. See closings and documentation.

Panels that span markets

A Gulf placement typically runs across regional capacity, London and continental Europe on a single panel, each participant carrying its own written and signed share. The panel is the record; where the participants happen to be licensed does not change how it behaves. See placement and participation.

Licensed where you are licensed

DIFC and ADGM broking operations run the same deal, panel and closing structure as a London or European desk. Lines, currencies, cedants, markets, commission and tax rules are configuration rather than code, so a regional book does not need a bespoke build to be modelled properly.

Where the data sits

Regure deploys on regional infrastructure, so data residency is a deployment decision rather than a custom build — which matters when the counterparties on a single placement sit under different regimes. See security and infrastructure.

What reinsurance brokers ask us

Does Regure handle both facultative and treaty business?

Yes. The structure is part of your configuration — quota share, surplus, excess of loss and facultative all work, and the premium engine builds premium according to the structure. Treaty support covers quota share, surplus and excess of loss structures with their period, participations, premium mechanics, endorsements and adjustments — the shapes most broking books are written on.

What happens to a submission when it arrives?

It is read and turned into a structured deal — cedant, insured, class and sub-class, geography, period, currency, sum insured, premium, retention and cession — which you review and correct before creating the deal. Extraction improves considerably once it has seen the formats your cedants actually send.

How is premium allocated across the market panel?

The cession is split across the markets on the deal, with ceding commission and brokerage applied per market, and the totals reconcile. Where your business uses them, deposit and minimum premium, instalments, profit commission, no-claims bonus and tax lines are configured as well.

Can it handle markets that settle in a different currency?

Yes. The figure stays in the deal currency and the converted table carries the rate applied, so a credit note to a market settling in euros shows both the deal-currency position and the conversion.

What documents does it produce?

The slip, the debit note to the cedant and a credit note per reinsurer, plus closings for endorsements and claims — generated from the deal on your own template, and recorded against the deal.

Can Regure work alongside the core system we already have?

Yes, and it is a common deployment. Where you have a policy administration or accounting platform holding the book of record, Regure takes the reinsurance workflow that the core does not model well — the market panel, written and signed lines, premium allocation across markets and the closings — and the figures that matter downstream go to the core. What that handover looks like is configured in implementation against the systems you actually run.

Can Regure be the main platform for a reinsurance broking operation?

Yes. Broking houses running on spreadsheets and Word templates typically deploy it this way: submissions, deals, placement, premium, closings, endorsements, claims and reporting all live on the same record. This is the model where the operational gain is largest, because nothing has to be reconciled back to a second system.

We are licensed in the DIFC or ADGM — does that change how it is deployed?

Not structurally. The deal, the market panel and the closings behave the same way as they do for a London or European desk. What varies is configuration — the currencies you write in, the markets on your panels, the commission and tax rules — and where the deployment sits, since data residency is a deployment choice and regional infrastructure is available. Facultative energy, construction and marine business, which makes up much of the regional book, runs on the same facultative cycle as any other class.

Can we start with part of the process?

Yes. Each part of the module is enabled per operation, so a firm can start with submissions and placement and add closings, endorsements, claims validation and sanctions records as it makes sense. Nothing needs to be turned on that you do not use.

Is this a fixed product or configured per operation?

Configured. No lines of business, currencies, cedants, markets, commission rates or tax rules are written into the platform. Today our implementation team configures it with you; we are progressively opening the same surface to customer implementation managers.

Tell us where the time goes

We will come back within one business day. Telling us which part of the chain hurts most means the session is spent on that rather than on a tour of everything.

Which part of the process is costing you the most time?

Optional. Pick as many as apply — it tells us what to show you.

We'll come back within one business day. We never share your information.

Bring us one submission

A 30-minute working session on your own material. We read the submission, structure the deal, build the premium, place it across a panel and generate the closings.

Book a working session