For reinsurers

Specialty BEC reinsurance partnership — managed MGA structure.

QATCH.ai is building the B2B payment trust layer for title and escrow companies. We verify wires before release using AI cross-channel reasoning plus human callback to publicly-known phone numbers. We back this with a formal insurance guarantee: up to $2M per approved transaction, 30-day payout on confirmed BEC fraud. We are sourcing a reinsurance partner to bear tail risk under a managed-MGA structure.

The structure

  • QATCH writes the verification, sets the underwriting policy, retains attritional losses up to a per-event threshold
  • Reinsurer bears tail risk on single-event losses above the retention level (typically $250K – $1M attachment)
  • Premium: 5 – 8 basis points of insured transaction value, shared per the treaty terms
  • Claims handling: QATCH manages first-notice and subrogation; reinsurer is notified of any claim above retention
  • Loss-ratio reporting: monthly with full transaction-level detail, audited annually

Why QATCH offers a favorable reinsurance profile

The exposure is post-verification. QATCH only insures transactions our verification stack has approved. The AI + human callback layers catch the vast majority of attacks. Expected loss ratio on verified-and-released transactions is under 2 basis points of transaction value — materially below the typical BEC line.

Loss events are isolated, not correlated. A single successful BEC attack at one title company does not create cascade exposure across the book. No catastrophe accumulation risk in the traditional sense.

Recovery economics are real. Approximately 40% of BEC losses are recoverable via fast subrogation if pursued aggressively within 72 hours. QATCH retains a dedicated recovery operation; recoveries flow back to the reinsurer per treaty.

Demand growth is structural. FBI IC3 reported $446M in real-estate BEC losses in 2024 (+38% YoY). Cyber insurance carriers are actively withdrawing from BEC exposure via social-engineering exclusions — creating durable demand for our outcome-priced product.

Projected Y1 portfolio

Target customer count
50 title companies
Verified-and-insured volume
$200M – $500M
Per-transaction limit (default)
$2M
Projected loss ratio
< 2 bps

Who we're talking to

We're in conversations with specialty cyber and BEC reinsurance carriers, including Beazley, Coalition Insurance, and select Lloyd's syndicates. We expect to finalize the reinsurance treaty within 60–90 days.

If you're a specialty cyber, financial-lines, or BEC reinsurer with appetite for an outcome-priced post-verification book, we'd value a conversation.

Reach out

Email partners@qatch.ai with your appetite range, underwriting questions, and a point of contact for the next call. We respond within one business day. We can share underwriting projections, loss-modeling assumptions, and a sample treaty structure under NDA.

Email partners@qatch.ai →