Product benefits

Our unique underwriting strategy, coupled with proven portfolio performance, proprietary analytical techniques, and a deep understanding of credit risk and banking products provides carriers with an exceptional value proposition.

Low Capital Charges
Solvency II recognises material benefit for diversification into non-correlated risks, resulting in little to no incremental capital charge for credit business.
Non-Correlated Risk
Credit risk is non-correlated with traditional insurer activities in property & casualty and liability coverage areas.
Non-correlation enhances insurer income stability.
Attractive Net Premiums
ARC's underwriting strategy results in higher net premiums (gross premiums less losses) than can be achieved with traditional investment-grade non-payment credit strategies.
High Expected ROE
Low capital charges and attractive net premiums result in high return on equity for insurers.
Predictability Of Outcome
ARC's underwriting strategy is supported by years of rating data, providing strong predictability of loss through the credit cycle.
Portfolio Diversification
ARC's activity encompasses exposure to 40+ sectors.
Exposure is entirely focused on companies based in the North America, UK, Europe, Australia & New Zealand (no developing country risk).