Top Layer Reinsurance Ltd.

Top Layer Reinsurance Ltd. (“Top Layer Re”) was founded in 1999 to underwrite reinsurance and retrocessional reinsurance for very high layers of catastrophe programs on a world-wide basis (excluding the U.S., and Caribbean windstorm). These layers are generally higher than those written by Renaissance Reinsurance Ltd. Top Layer Re offers innovative, custom-designed products and programs backed by outstanding financial security and strong claims-paying ability.

Top Layer Re is a joint venture owned 50% by Renaissance Reinsurance and 50% by State Farm Mutual Automobile Insurance Company (“State Farm”), the largest property-casualty insurance company in the U.S., and is managed by Renaissance Underwriting Managers, Ltd. Top Layer Re benefits from Renaissance Reinsurance‘s proprietary risk-modeling technology and disciplined underwriting expertise.

Top Layer Re is rated “AA” and “A+” by Standard and Poor’s and A.M. Best.

Find out more about our experienced underwriting team and how to contact us.


Ross Curtis
Senior Vice President
Group Chief Underwriting Officer
RenaissanceRe Holdings Ltd.

Aditya Dutt
Renaissance Underwriting Managers, Ltd.

Cathal Carr
Senior Vice President

Peter Muirhead
Vice President

Aidan O’Connor
Assistant Vice President

*Underwriting services for Top Layer Reinsurance Ltd. are provided by RenaissanceRe Underwriting Management Ltd. (RUML). Unless otherwise stated above, all officer titles relate to RUML.