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The excess of loss reinsurance treaty program is always arranged in layers such as first excess loss ,2nd ex.loss layer and3rd excess loss layer.
the working layer is the first layer as losses and claims are transfers to this layer's reinsurers immediately after the direct insurance company retention , hence it works and operates in almost all claims that exceeding the ceding company's retention .
the sleepy easy layer is a third layer which has a less exposure to losses and/or claims calls or payments because all small losses does not reach it , as they are absorbed by the first and second layers. That is to say only substantial losses affected the third layer and due to this fact the third excess loss layer sometimes called the sleepy easy.
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You can define the concept of "reinsurance" as insurance responsibilities accepted by the insurance company process
And contracted with the insured original direct the specialized companies in both Reinsurance
The local, Arab or international exchange for the payment of premiums by certain percentages of risks insured and by
Each type of portfolio (Portfolio) of this notice, which represents the total responsibilities of premiums
The compensation for each type of insurance such as fire and accidents, cars, engineering, maritime governor
And agricultural and other types of insurance,
