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Emerald specialises in solution driven insurance products for corporate policy holders

Established in 1999, Emerald offers solution driven insurance products to corporate policyholders throughout Africa, including the Indian Ocean Islands and internationally in the Middle East, as well as the South-Central, Eastern and South-East Asian regions. Correct understanding and measurement of risk, appropriate reinsurance placement, accounting and effective claims management are all key to our underwriting approach. Emerald is headquartered in Johannesburg, South Africa and regulated by the Financial Sector Conduct Authority (FSCA), with a Representative Office in Dubai, UAE being regulated by the Dubai Financial Services Authority (DFSA), as well as a representative office in London regulated by the Financial Conduct Authority (FCA).

Our ‘A’ Rated Security

In addition to Santam’s International Standard & Poors rating, Emerald is able to offer A rated security through a binding authority from New Reinsurance Company Ltd (NewRe), whereby Emerald may use their international Standard & Poors AA- credit rating to write inwards reinsurance business. NewRe is registered in Zurich, Switzerland and is a wholly owned subsidiary of Münchner Rückversicherungs-Gesellschaft (Munich Re).

Risk Appetite & Capacity

Emerald has a USD150 million capacity throughout the African continent and Indian Ocean Islands, and a USD20 million capacity in the Middle East, and Central and South-East Asia, including the Indian sub-continent. Additional capacity can be accessed through innovative facilitative reinsurance solutions for large capacity accounts. All cover is subject to Treaty terms. 


Strong GWP Growth
Consistent Net Underwriting Margin
Sustainable Net Loss Ratio


for year ending 31 December 2018

Examples of risks insured

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