Excess of Loss Reinsurance

A contract between an insurer and a reinsurer, whereby the insurer agrees to pay a specified portion of a claim and the reinsurer to pay all or a part of the claim above that amount.

Method whereby a Ceding Company pays the amount of each claim for each risk up to a limit determined in advance and the reinsurer pays the amount of the claim above that limit up to the maximum amount reinsured.

A form of reinsurance under which recoveries are available when a given loss exceeds the cedant’s retention defined in the agreement.