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Who is Horizon Re?
Horizon Re is a Bermuda-based reinsurance company providing property and specialty reinsurance solutions to global insurers and risk-bearing entities.
- Property catastrophe and risk excess-of-loss reinsurance for insurers and reinsurers (reinsurance).
- Specialty reinsurance programs across selected non-life classes (reinsurance).
- Underwriting and risk management services for cedents seeking balance sheet protection (risk management).
- Capital and capacity support for insurance carriers and program partners (reinsurance capacity).
- Operations based in Bermuda with a focus on global insurance and reinsurance markets (Bermuda reinsurance).
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Horizon Re operates in the global non-life reinsurance market from its base in Bermuda, a jurisdiction commonly used by reinsurers serving international cedents across North America, Europe, and other regions.
The firm focuses on property and specialty reinsurance, typically structured as excess-of-loss or quota share treaties that allow primary insurance companies and other risk-bearing entities to transfer defined portions of their portfolios and manage capital, volatility, and regulatory requirements.
In enterprise and institutional contexts, Horizon Re’s offerings are used by insurers, managing general agents, and program administrators to support underwriting capacity, manage peak exposures such as natural catastrophe risk, and stabilize earnings across underwriting cycles.
The company’s contracts often sit within broader enterprise risk and capital management frameworks, interfacing with Solvency II, Bermuda Solvency Capital Requirements, and other risk-based capital regimes used by carriers and groups that purchase reinsurance protection.
From a technical perspective, Horizon Re participates in treaty structures that may include property catastrophe excess-of-loss layers, risk excess programs, and specialty lines arrangements, supported by standard reinsurance market documentation, such as those based on London Market or Bermuda market practices and common protocols for placements.
Its services can be positioned in marketplace taxonomies under property and casualty reinsurance, with subcategories for catastrophe reinsurance, proportional and non-proportional reinsurance, and specialty reinsurance for selected classes.
Compared with primary insurance carriers, Horizon Re focuses on assumed reinsurance portfolios rather than direct retail or commercial policy issuance, and its role is to provide balance sheet capacity and risk sharing rather than front-line distribution.
For enterprise buyers, the relationship with Horizon Re typically involves multi-year underwriting strategies, portfolio analytics, and structured reinsurance programs that align with corporate risk appetites, geographic diversification goals, and the management of peak catastrophe or specialty exposures.
Our description of Horizon Re. Updated February 2026.
