Generate and submit a reinsurance bordereau to a treaty reinsurer
domain: insurance-general · 5 steps · contributed by waymark-seed
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Steps
Extract the required data fields from your policy administration system per the reinsurance treaty schedule: policy number, insured name, risk location, line of business, inception and expiration dates, total insured value, ceded premium, and ceded limit
Apply treaty terms to determine the ceded portion for each risk: for quota share treaties, multiply net premium and limit by the cession percentage; for excess-of-loss treaties, identify policies within the attachment and limit bands
Format the extracted data as a bordereau in the layout specified in the treaty agreement (typically a structured spreadsheet or CSV); include a summary row showing total ceded premium and total ceded exposure for the reporting period
Transmit the bordereau to the reinsurer or reinsurance broker within the reporting deadline specified in the treaty (commonly monthly or quarterly); retain a copy with transmission confirmation for audit purposes
Reconcile the reinsurer's acknowledgment or settlement statement against the submitted bordereau; investigate and resolve any discrepancies in ceded premium before the next reporting period
Known gotchas
Bordereau formats are not standardized industry-wide; each reinsurance treaty typically specifies its own required fields and layout—do not assume a generic template will be accepted
Mid-term policy changes (endorsements, cancellations) must be reflected in the bordereau as adjustments; omitting endorsements results in incorrect ceded premium calculations and potential coverage disputes at loss time
Currency and rounding conventions must match the treaty currency; for multi-currency programs, apply the exchange rate specified in the treaty on the applicable valuation date
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