Products and


Bruzon is fortunate in employing a highly specialised team of professionals in the field of Reinsurance, thus providing our clients with automatic, or semi-automatic, structures for all branches of insurance where we act directly.

At Bruzon, we provide innovative approaches to offer our clients very efficient and bespoke solutions for the most economic transfer of their risks over into the international reinsurance market.

The Bruzon team is expert in placing sophisticated reinsurance programmes in any area of the insurance business where our Cedents operate, particularly in, but not limited to, the following specialities:

Accident, Assistance, Life and Health:

  • Personal Accident with substantial sums insured.
  • Personal Accident in risk areas.
  • Expatriate Kidnap & Ransom.
  • Directors and Officers.
  • Sports personalities and other professionals at risk.
  • Professional groups.
  • Group travel assistance.
  • Terrorism.


  • Wind-farms.
  • Photovoltaic plants.
  • Co-generation plants.
  • Terrorism.
  • Catastrophic and risks of Nature.

Contractors and Erection All Risk:

  • Civil engineering.
  • House building.
  • Engineering risks..
  • Construction and erection of industrial plant.
  • Third Party Liabilities deriving from construction and erection procedures.
  • Construction and erection of machinery and equipment.
  • Advance loss of Profit (A.L.O.P).
  • Terrorism.
  • Catastrophic and risks of Nature.

Material Damage:

  • Major industrial risk.
  • Infrastructure.
  • Major commercial risks.
  • Terrorism.
  • Catastrophic and risks of Nature.


  • Hull and Machinery.
  • Pleasure craft.
  • Cargo transport (by air, by land, by sea or using combinations of these).
  • Liabilities of Agents involved in transporting merchandise.
  • Coverages which are complementary to Hull & Machinery: Protection & Indemnity (P & I).


  • Hulls.
  • Third Party Liabilities.
  • Crew Personal Accident.
  • Passenger Personal Accident.

Third Party Liabilities:

  • General Liability.
  • Employers´ Liability.
  • Products and Completed Operations Liability.
  • Product Recall.
  • Professional liability.
  • Medical mal-practice.
  • Directors and Officers TPL.
  • Accidental Pollution.

Special Situations:

  • Livestock.
  • Aquaculture.
  • Afforestation.
  • Cancellation of Shows and Events.
  • Fine Art whilst being transported and for the duration (temporary or permanent exhibitions).
  • Cyber risks.
  • Employee infidelity in commercial and industrial risks.

Financial Institutions:

  • Employee infidelity.
  • Forgery.
  • Fraud.
  • Cash transport.
  • Robbery and hold-ups at branches and at ATMs.
  • Safety deposit boxes.
  • Computer crime.
  • Ciber riesgos.
  • Non-authorised transactions.
  • Professional TLP.
  • Directors and Officers TLP.

Bruzon uses reinsurance models best-suited to the needs of each individual situation and, at all times, matches greatest effectiveness with maximum simplicity and security with regard to the administrative side of reinsurance, when placing the aforementioned programmes.

The reinsurance support which Bruzon always proposes will include a sufficiently-diversified tower, which will be completely solvent, with full knowledge of the risks being underwritten, and which will be acceptable to the Internal Solvency Rules of the ceding Companies (independently of which we, at Bruzon, demand a minimum Rating of A minus), and which has been proven in the handling and payment of losses linked to the class of reinsured risks.

Loss-handling at Bruzon is channelled integrally to offer our ceding Companies the finest service across all areas of processing:

  • Receipt of the first notification.
  • Indication of all necessary and required documentation.
  • Review of the reimbursements being claimed.
  • Consultancy functions including negotiating and settling the indemnities.