Insurance risk carrier: a complete guide for brokers

In the complex world of insurance, the notion of the "risk carrier" occupies a central place. For insurance brokers, understanding this concept is essential if they are to offer their customers solutions tailored to their specific needs.

porteur de risque assurance

In this article, we explore in detail what an insurance risk carrier is, what their key role is, and how to choose the right partner to ensure the success of your business and the satisfaction of your customers.

Understanding the notion of risk in insurance

Definition of risk in insurance

Risk in insurance is the uncertainty associated with the occurrence of an uncertain event that could lead to financial loss. This concept underpins the entire insurance industry, where individuals and companies transfer part of their risks to risk carriers in exchange for a premium. The effective management of these risks enables policyholders to protect themselves against the disastrous economic consequences of various situations, be they accidents, illness, property damage or other damaging events.

The different types of insurance

Insurance risks are diverse and varied, which has led to the creation of different types of insurance to meet the specific needs of individuals and businesses. The main categories of insurance include :

  • Health insurance: Covers medical expenses and health care.
  • Automobile Insurance: Protects against financial loss due to road accidents.
  • Home insurance: Covers damage to property and contents.
  • Civil Liability Insurance: Protects against third-party claims for bodily injury or property damage.
  • Life Insurance: Provides financial protection for loved ones in the event of the insured's death.
  • Business Insurance: Covers risks related to business activities, such as property damage, professional liability, etc.

What is an insurance risk carrier?

A risk carrier is an entity - often an insurance company, mutual insurer or provident institution - that agrees to assume the risks of an individual or company in return for a premium. The risk carrier undertakes to pay compensation in the event of a claim covered by the insurance contract. This entity acts as a safety buffer, enabling policyholders to protect themselves against potential financial losses linked to unforeseen events.

Good to know: risk carrier challenges

Risk carriers bear a significant responsibility as intermediaries between policyholders and uncertain events

They must accurately assess potential risks, set appropriate premiums and maintain financial stability to ensure that they can honor their contractual commitments. In addition, they must manage claims efficiently to ensure that policyholders receive the compensation to which they are entitled.

Different types of risk carriers

There are several types of risk carrier in the insurance industry, each with its own characteristics and advantages. The main types of risk carrier include

  • Insurance companies: Private insurance companies are the most common players in the sector. They offer a wide range of insurance products to meet the diverse needs of their customers.
  • Mutuals: Mutuals are non-profit organizations owned by their members. They operate on the principle of solidarity, offering insurance solutions based on the collective needs of their members.
  • Provident institutions: These entities mainly manage pension and provident schemes for employees. They provide supplementary coverage for employees over and above the social security system.
  • Reinsurers: Reinsurers insure the insurance companies themselves, accepting part of the risk in return for premiums. They play an essential role in enabling insurers to manage their overall risk exposure.

How to choose the right risk carrier?

Selecting the right risk carrier is a critical step for insurance brokers. Here are a few tips to help brokers choose the ideal partner:

  • Needs assessment: Understand your customers' specific needs in order to find a risk carrier offering suitable products.
  • Reputation and stability: Opt for a reputable and financially stable risk carrier, capable of meeting its commitments to policyholders.
  • Sector expertise: Look for a risk carrier with expertise in the insurance field relevant to your customers.
  • Customer service: The quality of customer service is crucial. Your customers must be able to count on efficient support in the event of a claim or need for assistance.
  • Innovation: Opt for a risk carrier who adopts innovative technologies and methods to enhance your customers' experience.

Good to know : the broker's responsibility in choosing an insurer

Insurance brokers have a major responsibility in choosing the right risk carrier for their clients.

They must act in their clients' best interests by seeking out the best risk-bearing partner. This involves a thorough analysis of the customer's needs, a careful evaluation of the options available, and a transparent recommendation.

 The Importance of risk carrier solvency

A risk carrier's creditworthiness is essential to guarantee its ability to meet its contractual obligations to policyholders in the event of a claim. Brokers must assess a risk carrier's credit rating using independent appraisals and financial information.

The financial soundness of insurance companies has generally not been threatened, especially in France where defaults have been limited and managed. Supervisors, including the ACPR in France (Autorité de Contrôle Prudentiel et de Résolution), have exercised effective oversight, while European regulations such as Solvency II have reinforced insurers' knowledge. 

However, this information is not always easily accessible, and requires expertise to be understood. Delicate situations have recently arisen, with LPS insurers finding it difficult to honor their commitments. The fall in interest rates has also had an impact on shareholders' equity and solvency. As a result, the issue of insurers' solvency has become more worrying, particularly as regards their ability to settle claims and the resulting rate adjustments.

Advantages of choosing Seyna as a risk carrier

At Seyna, we understand the critical importance of choosing a reliable and competent risk carrier for insurance brokers. With our solid experience, diverse expertise and commitment to excellence, we're the ideal partner to meet your clients' unique needs. Our financial stability and commitment to exceptional customer service make us a trusted choice for brokers looking for solid partners.

Generalists, specialists and wholesalers, over 100 brokers create, distribute and manage their insurance programs with Seyna.

What's more, Seyna is a unique player, combining technology with insurance risk transfer. We enable brokers, via the Seyna platform, to create insurance products, manage their programs throughout their marketing and pilot their activity (performance monitoring, quotations, policies, compliance).

Customers now expect personalized experiences and responsiveness. With Seyna, brokers have all the tools they need to create tailor-made insurance products and experiences, in unrivalled timeframes.


The choice of an insurance risk carrier is a strategic decision that influences the long-term success of brokers and the satisfaction of their customers. A thorough understanding of the risk carrier's role and sound selection criteria are essential to ensure a successful collaboration. Seyna positions itself as a reliable and competent partner, ready to support brokers in their mission to protect their customers' interests.

Related articles