The Future of Fronting Companies

Swiss Re P&C outlook positive

Fronting companies are facing challenges and greater scrutiny amid the recent Vesttoo scandal and Trisura matter with rating agencies and other stakeholders taking a closer look at the use of LOCs for reinsurance collateral. Following is an overview of the fronting market and what happened over the last several months to put this insurance model in the news.

Vesttoo Identifies ‘Pervasive and Systemic Misconduct’ by Limited Set of Execs and Third Parties

Vesttoo fraudulent LOCs

Insurtech Vesttoo has now filed its first interim report in the U.S. bankruptcy court for Delaware following its investigation into fraudulent letters of credit (LOC), and says that its scrutiny of the matter has identified that “pervasive and systemic misconduct was engaged in by a limited set of Vesttoo executives and other third-parties outside of Vesttoo.”

Tx Regulators Place Porch’s Insurance Subsidiary Under Supervision Amid Vesttoo Fallout

Vesttoo fraudulent LOCs

Fallout from the bankruptcy of reinsurer Vesttoo Ltd. in the wake of fraud allegations are rippling through the insurance industry, with Porch Group announcing Tuesday that its insurance subsidiary, Homeowners of America Insurance Company, has been placed under temporary supervision by Texas regulators.

Best’s Commentary: Vesttoo Highlights Importance of Managing Counterparty Risk

Vesttoo fraudulent LOCs

With the Vesttoo fallout as a backdrop, a new AM Best commentary details leading bank issuers of collateral letters of credit (LOC) to (re)insurance companies, as well as companies with LOC exposures to China Construction Bank Corp., which has been linked to the ongoing situation.

Israeli AI Startup Vesttoo Sparks a Global Insurance Scandal

Vesttoo fraudulent LOCs

A hot Israeli startup promised to use artificial intelligence to spread the risk of insurance policies. Now, Vesttoo is embroiled in scandal thanks to an old-fashioned problem: an alleged multi-billion-dollar fraud involving faked letters of credit.