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  • Insurance

Delivering insight in a challenging market.

Insurance companies today face increased regulation, a hyper-competitive market, rapid technological innovation, and widespread consolidation.

Companies must be vigilant and flexible about finding new ways to manage margins and preserve capital by implementing sound decision processes and risk mitigation strategies. To do so, they must consider everything from investment strategies, diversification, reinsurance, securitizations, and cybersecurity; to mergers, acquisitions, joint ventures, and strategic alliances.

Our professionals draw on knowledge and experience to help businesses manage a variety of issues, including a changing business environment and ever-increasing regulations.  With a global network spanning more than 150 countries, BDO helps clients identify and evaluate potential partners and growth opportunities beyond the Caribbean region, and supports them as they expand internationally.

Insurance Agencies & Brokerages

Consumers are heading online to research, compare, and shop for policies, a trend that is fundamentally changing time-tested business models for insurance agencies and brokers. Agents and brokers face the risk of disintermediation, which is driving massive consolidation and increased focus.

Life, Accident & Health

The current interest rate environment has emerged as a top concern for life insurers, as low interest rates can weigh on earnings and liquidity. Insurance carriers have been suffering the effects of falling investment yields, resulting in diminished investment income. This, in turn impedes the industry’s ability to generate returns that satisfy shareholders while still providing competitive product rates.

Property & Casualty

Natural disasters are unpredictable. Risk exposure, however, doesn’t have to be. Through expense management and big data analysis, property and casualty insurers can manage risks more efficiently, building a more stable business – no matter what Mother Nature brings. Companies with strong pricing, underwriting discipline, and solid operating fundamentals are more likely to experience superior long-term financial performance. In addition, companies that are able to leverage big data and technology through enhanced analytics and process improvement can identify market segments, allowing them to grow both regionally and abroad.


Total global reinsurance capital has been on a steady incline. Coupled with the popularity of alternative capital, this has caused the reinsurance buyer to experience the lowest cost to underwrite capital in a generation. Reinsurance rates are competitive, yet the overall market is constantly changing. To stand out in a competitive global marketplace, reinsurers are looking closely at their business models, both to differentiate themselves from competitors and to maximize their return on investment.