{"id":7064068,"date":"2026-09-22T13:33:27","date_gmt":"2026-09-22T13:33:27","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/insurance\/casualty-sidecars-emerging-as-third-pillar-sponsors-urged-to-act-hcma\/"},"modified":"2026-09-22T13:33:27","modified_gmt":"2026-09-22T13:33:27","slug":"casualty-sidecars-emerging-as-third-pillar-sponsors-urged-to-act-hcma","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=7064068","title":{"rendered":"Casualty sidecars emerging as third pillar, sponsors urged to act: HCMA"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p>Executives at Howden Capital Markets &amp; Advisory (HCMA) have indicated that as traditional casualty capacity remains constrained, casualty sidecars are becoming a genuine third pillar alongside traditional reinsurance and the balance-sheet, moving beyond being a specialty product for a select number of sophisticated investors.<br \/><span id=\"more-149961\"\/><br \/><img fetchpriority=\"high\" decoding=\"async\" data-attachment-id=\"108706\" src=\"https:\/\/www.artemis.bm\/news\/howden-tiger-hires-property-retro-specialist-martin-ford-from-gallagher-re\/attachment\/howden-tiger-new-logo\/\" data-orig-file=\"https:\/\/www.artemis.bm\/wp-content\/uploads\/2023\/11\/howden-tiger-new-logo.png\" data-orig-size=\"800,438\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Howden Capital Markets &amp; Advisory\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/www.artemis.bm\/wp-content\/uploads\/2023\/11\/howden-tiger-new-logo.png\" class=\"alignright wp-image-108706\" alt=\"howden-logo\" width=\"370\" height=\"203\" srcset=\"https:\/\/www.artemis.bm\/wp-content\/uploads\/2023\/11\/howden-tiger-new-logo.png 800w, https:\/\/www.artemis.bm\/wp-content\/uploads\/2023\/11\/howden-tiger-new-logo-300x164.png 300w, https:\/\/www.artemis.bm\/wp-content\/uploads\/2023\/11\/howden-tiger-new-logo-768x420.png 768w, https:\/\/www.artemis.bm\/wp-content\/uploads\/2023\/11\/howden-tiger-new-logo-200x110.png 200w, https:\/\/www.artemis.bm\/wp-content\/uploads\/2023\/11\/howden-tiger-new-logo-350x192.png 350w\" sizes=\"(max-width: 370px) 100vw, 370px\"\/>HCMA, the capital markets and insurance-linked securities specialist unit of broking group Howden, recently conducted a roundtable, that explored the surge in momentum that\u2019s being seen across the casualty reinsurance sidecar market.<\/p>\n<p>The roundtable featured Jarad Madea, CEO of HCMA; Phillip Kusche, Co-Head of global ILS and Chair of HCMA Europe; and Cate Kenworthy, Managing Director.<\/p>\n<p>Whilst discussing the wave of activity that\u2019s currently being displayed in the market, Kusche indicated that the surge in casualty sidecars is primarily being driven by ongoing, rapid growth in interest within the casualty and long-tail side, as opposed to any signs of a slowdown.<\/p>\n<p><strong>\u201c<\/strong>Many of our clients are increasingly reviewing the possibility of creating partnerships with investors to optimise their capital structure and convert some of their underwriting income into more stable fee income as well as supporting their growth in certain areas. We see this across the board from insurers, reinsurers, and MGAs,\u201d Kusche said.<\/p>\n<p>\u201cThat approach is similar to what has been very common practice on the property catastrophe side where sidecar structures have been in place for a long time and form part of their capital structure. Additionally, we are seeing different platforms used for these structures, mainly Bermuda but also Lloyd\u2019s, which is a market Howden is particularly focussed on,\u201d Kusche continued.<\/p>\n<p>According to Kenworthy, this approach matches up against what HCMA is hearing from investors across the market.<\/p>\n<p>\u201cA lot of interest is coming from credit-focused asset managers applying a playbook they\u2019ve already run in life and annuity, taking on long-duration liabilities and running the asset side conservatively for spread. Casualty premiums are collected years before claims are paid, creating a long-duration pool of capital, often around seven years, that suits how these managers like to deploy funds. Structures like Bermuda and Lloyd\u2019s sidecars let them act as capital partners to cedents, backing casualty risk in exchange for access to that float, with returns that can approach private-equity levels and a defined, forward exit,\u201d Kenworthy explained.<\/p>\n<p>Adding further insight, CEO Madea emphasised that this is the dynamic that HCMA wants its clients to think about when it comes to approaching casualty sidecars.<\/p>\n<p><strong>\u201c<\/strong>There is a lot of capital out there right now that is genuinely interested in this exposure. It might not necessarily still be there in the same way in two years, so the sponsors moving first are the ones who benefit most,\u201d Madea noted.<\/p>\n<p>The executives also outlined that investors that show interest in investing casualty sidecars, are not the same buyers as cat bonds.<\/p>\n<p><strong>\u201c<\/strong>Cat bond and ILS demand tends to come from two quite different buyer types, and neither one really maps onto casualty. On one side you\u2019ve had opportunistic hedge funds coming into cat risk after events like Hurricane Ian, drawn in by a dislocated market. Casualty doesn\u2019t really have an equivalent moment pulling that kind of capital in. On the other side, you\u2019ve got institutional investors like pension funds, who like cat bonds for the short liquidity and the genuine diversification they offer. Casualty doesn\u2019t fit that profile either, since it\u2019s a longer-duration, less liquid position, and because it tracks broader credit and economic conditions, it doesn\u2019t give you quite the same diversification benefit,\u201d Kenworthy outlined.<\/p>\n<p>She continued: \u201cWhat we\u2019re really seeing is a third type of buyer altogether: credit-focused asset managers running a long-duration strategy in search of private-equity-like returns, which is a different animal from both of the cat bond buyer types. So the growth in casualty isn\u2019t cat money rotating over; it\u2019s more a case of a separate pool of capital finding its own way into the market.\u201d<\/p>\n<p>Adding to this, Kusche said: \u201cThat is consistent with what we see on relative value too. Cat bonds still stack up well against high-yield credit, so that demand is holding even as pricing softens. It is a good example of two different investor bases growing at the same time rather than one cannibalising the other.\u201d<\/p>\n<p>Importantly, Madea highlighted that this is good for sponsors, emphasising that the capital diversification argument holds up either way. \u201cYou are not choosing between cat bonds and sidecars. In the right circumstances, you can be building both,\u201d the CEO said.<\/p>\n<p>All of which leads Madea to say that while there is meaningful capital looking for this kind of exposure today, sponsors that choose to make their move now will have an easier time securing capacity on good terms, rather than the ones who choose to wait until the market tightens.<\/p>\n<p><strong>\u201c<\/strong>This fits the broader theme we have been talking to clients about all year: take the opportunities that are on offer today, before the cycle forces your hand,\u201d Madea said.<\/p>\n<p>\u201cThe structures on the table vary. Some are built around a single line of casualty business. Others are broader, whole-account arrangements that give sponsors more flexibility but require more work upfront to structure and market to investors,\u201d HCMA added.<\/p>\n<p>Either way, HCMA executives emphasise that the direction of the market is clear: \u201cas traditional casualty capacity remains constrained, sidecars are becoming a genuine third pillar alongside traditional reinsurance and the balance sheet, not just a speciality product for a handful of sophisticated sponsors.\u201d<\/p>\n<p>Find details of numerous reinsurance sidecar investment arrangements, including casualty sidecars, in our directory of <strong><a href=\"https:\/\/www.artemis.bm\/library\/reinsurance_sidecars.html\">reinsurance sidecar transactions<\/a><\/strong>.<\/p>\n<div class=\"printfriendly pf-button pf-button-content pf-alignleft\">\n                    <a href=\"#\" rel=\"nofollow\" onclick=\"if (!window.__cfRLUnblockHandlers) return false; window.print(); return false;\" title=\"Printer Friendly, PDF &amp; Email\" data-cf-modified-53eb99cea98c4020c23c3178-=\"\"><br \/>\n                    <img decoding=\"async\" class=\"pf-button-img\" src=\"https:\/\/cdn.printfriendly.com\/buttons\/printfriendly-pdf-button-nobg-md.png\" alt=\"Print Friendly, PDF &amp; Email\" style=\"width: 124px;height: 30px;\"\/><br \/>\n                    <\/a>\n                <\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Executives at Howden Capital Markets &amp; Advisory (HCMA) have indicated that as traditional casualty capacity remains constrained, casualty sidecars are becoming a genuine third pillar alongside traditional reinsurance and the balance-sheet, moving beyond being a specialty product for a select number of sophisticated investors.HCMA, the capital markets and insurance-linked securities specialist unit of broking group [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7064069,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[94],"tags":[7622,70041,30913,225711,225712,225713,4329,225715,14959,52812,81768,11116,7376,225714,48099,70043,13148],"dealstore":[],"offerexpiration":[],"class_list":["post-7064068","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-act","tag-alternative-reinsurance-capital","tag-casualty","tag-casualty-ils","tag-casualty-insurance-linked-securities","tag-casualty-sidecar","tag-emerging","tag-hcma","tag-insurance-linked-securities","tag-insurance-linked-investments","tag-pillar","tag-reinsurance","tag-sidecar","tag-sidecars","tag-sponsors","tag-third-party-reinsurance-capital","tag-urged"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - 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