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Retrospectively rated employer’s liability and motor programmes for businesses which experience a high frequency of lower severity claims, written on a paid or incurred loss basis.


For companies wishing to retain significant risk but who do not have access to a captive. 

  • Well suited to South African domiciled companies to cover South African risks. 
  • Good for lines of business with high levels of claim frequency. 
  • Ideal for primary layer risk retention. 
  • Allows for reduced upfront premium costs and cash flow benefits.

Who is it for?

Large South African domiciled or foreign subsidiary companies.



Retrospectively Rated policies are short-term products and are underwritten by AIG South Africa Limited, FSP No: 15805