As we enter the busiest time of year in reinsurance, is moving forward with significant momentum: we’ve authorized $134 million in reinsurance across multiple programs, representing a major expansion of the capital we’re deploying into the real economy.
This milestone reflects more than just a number. It’s evidence of growing confidence in Re’s model, the maturation of our marketplace, and our expanding role as a critical piece of infrastructure in the global insurance system.
Understanding the Season
The reinsurance industry operates on two main renewal cycles each year: January 1st and June 1st. Right now, we’re heading into the January 1st season, when much of the industry renews contracts and allocates capital for the year ahead. It’s the Super Bowl of reinsurance, when billions of dollars in coverage get structured, negotiated, and deployed.
For context, the January 1st renewal season is when the majority of global reinsurance treaties come up for renewal. Insurance companies assess their risk appetites for the coming year, reinsurers evaluate their portfolios, and capital gets allocated to where it’s needed most. The decisions made during this period shape the insurance landscape for the entire year ahead.
Re’s participation in this season, with $134 million in authorized capital, shows that we’re not operating at the margins. We’re becoming an active participant in the core machinery of how insurance risk gets backed globally.
What This Milestone Means
The $134 million we’ve authorized includes both new programs and renewed authorizations across a diverse range of insurance lines: commercial auto, general liability, property, and workers’ compensation. These aren’t abstract financial instruments. Each authorization represents a real-world insurance program backed by Re’s onchain capital infrastructure.
When we say “authorized,” we mean that capital providers on the Re platform have committed to back specific insurance programs. This capital sits ready to deploy, providing the financial backing that allows insurers to confidently write policies. It’s the foundation that makes insurance work; the promise that when claims come in, there’s capital available to pay them.
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The diversity across lines of business is also significant. Commercial auto protects the vehicles businesses depend on. General liability covers companies against lawsuits and claims. Property insurance protects buildings and assets. Workers’ compensation ensures employees are covered if they’re injured on the job. Together, these programs form a comprehensive safety net for businesses operating across the economy.
Real Traction in a Real Market
This matters because it demonstrates something fundamental: Re’s marketplace is gaining real, sustainable traction. We’re not just building infrastructure in isolation. We’re actively deploying capital that protects businesses and individuals across the economy.
The fact that this $134 million includes both new programs and renewals is particularly meaningful. New programs show that additional insurers are choosing to work with Re. Renewals demonstrate that existing partners are seeing value and coming back. Both signals point to the same conclusion: the model is working.
Every authorization represents a decision by an insurance company to trust Re with a portion of their risk portfolio. It represents capital providers seeing attractive risk-adjusted returns in the insurance market and choosing Re as their vehicle for accessing that market. And it represents policyholders getting coverage they need to operate confidently.
Global Safety Net
Reinsurance is often called the “insurance for insurance companies.” It’s the critical layer that allows insurers to take on risk confidently, knowing they have backing when claims come in. Without reinsurance, the insurance industry couldn’t function at scale. Insurers would be forced to hold massive amounts of capital in reserve, making coverage expensive or simply unavailable for many risks.
Traditionally, this market has been dominated by large institutions operating through opaque, inefficient processes. Deals get structured through lengthy negotiations, capital allocation happens behind closed doors, and access to the market has been limited to the largest players. Re is changing that equation. By bringing transparency, efficiency, and accessibility to reinsurance through blockchain technology, we’re creating a more resilient global safety net for insurance risk. Capital providers can see exactly what they’re backing, insurers can access capacity more efficiently, and the entire process operates with transparency.
What’s Next
The insurance industry is facing mounting pressures: climate change is increasing the frequency and severity of natural disasters, economic uncertainty is creating volatility in claims patterns, and traditional reinsurance capacity has become more expensive and harder to access in certain lines. In this environment, innovation isn’t optional,it’s essential. The industry needs new sources of capital, new ways of structuring risk, and new infrastructure that can adapt quickly to changing conditions. Re provides all three.
As the January 1st season unfolds, this authorized capital will be deployed across our insurance partners’ programs. Each dollar represents coverage capacity, the ability for insurers to confidently write policies, knowing they have reinsurance backing.We expect this momentum to continue. As more insurers experience the benefits of Re’s platform, and as more capital providers see the risk-adjusted returns available, the network effects strengthen.
This is just the beginning. As Re continues to grow, we’re building toward a future where insurance risk can be backed transparently, efficiently, and globally, creating a more stable foundation for the entire insurance ecosystem.