Treasury

Keep complete control over your claim funds.

We provide consistent global safeguarding and real-time visibility for your claim funds, enabling more dynamic funding strategies to unlock your capital while ensuring prompt payouts to claimants.

Insurance Treasury people meeting
Designed with the markets for the market

Empowering all market participants

Control

Consistently control and protect liquidities held in claim funds globally.

Optimisation

Eliminate underfunding and overfunding scenarios to achieve optimal operational and financial efficiency.

Reconciliation

Track inbound and outbound payment activities for claim funds to simplify auditing and reconciliation.

Our claim funds management solution

Full visibility and control over delegated claims operations.

At Vitesse, we ensure global consistent safeguarding and real‑time visibility for your claim funds, enabling optimised funding strategies tailored to unlock your capital while guaranteeing prompt claims payouts.

Picture representing how the Vitesse platform is working.

Unlimited Accounts

Open accounts in over 25 currencies within one business day, each with dedicated bank details for fast funding, fund segregation, and the flexibility to support your operations as they scale.

Flexible Account Structure

Utilise a digital ledger supporting virtually any contract structure, from simple cases to complex arrangements with multiple insurers underwriting multiple contracts with various risk splits.

Consistent Safeguarding

We maintain the highest safeguarding standards by segregating your claim funds from our corporate funds in regulated tier‑1 banks. Minimal liquidity is held with selected local banks to expedite domestic settlements.

Real‑Time Insights

Gain a real‑time view of claim fund balances and payments, even when third‑party administrators handle claims. This empowers you to eliminate cash calls and optimize the capital engaged in your claims operations.

Reconciliation and Reports

Access a comprehensive library of customisable statements and reports in various formats for easy reconciliation. Subscribe to reports via email and file transfer (FTP) for aggregated financial statements or detailed raw data.

User Rights Management

Manage access rights for Finance and Claims Operations teams, even with delegated claims. Activate 2‑step approval flows for critical actions such as payments and money movements.

Use cases

Our flexible digital ledger suits every situation.

TPA or MGA using Vitesse to segregate their carrier clients' claim funds

Delegation

Carriers and Capacity Providers use Vitesse to retain visibility and control while securely delegating funds to MGAs and TPAs.
TPA or MGA using Vitesse to segregate their carrier clients' claim funds

Segregation

MGAs and TPAs use Vitesse to safeguard delegated funds, with real-time visibility that builds trust and ensures timely claims replenishment.

Risk Sharing

One payment account links to multiple funding accounts, automatically drawing each co-underwriter’s share for a single seamless payment.
Read more on risk sharing

Fund Pooling

Liquidity is centralised in a single funding account connected to multiple payment accounts, enhancing efficiency through streamlined oversight and usage across contracts and binders.
Vitesse Cashbook

Your single source of cash truth

The Vitesse Cashbook is available online, through the API or via file export. It delivers a complete audit trail of claim fund movements (funding, payments and returns), helping insurers, MGAs, and TPAs maintain real-time visibility and streamline reconciliation.

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Frequently Asked Questions

Find quick answers to common questions about Vitesse's treasury services.

What is the scope of Vitesse’s insurance treasury services?
Vitesse provides insurance-specific treasury services that give insurers and their partners greater visibility and control over premium and claim funds. This includes managing liquidity, segregating and allocating funds across programmes, supporting complex multi-party arrangements, and providing the reporting and controls needed to oversee insurance funds efficiently.
How does Vitesse safeguard client funds?
Vitesse safeguards insurance funds by holding client money separately from its own corporate funds, with selected tier-1 banking partners. Funds are segregated and reflected against each client’s accounts, ensuring no client can spend more than they have prefunded.

Vitesse’s operations are subject to regulatory oversight from the FCA in the UK, DNB in Europe and NYDFS in the U.S., as well as independent third-party audits. Technical security, operational security and risk management controls provide layers of protection for client funds.

Vitesse is not a bank and does not lend or invest client funds. Depending on a client’s accounting policies, funds held with Vitesse may also be recognised as cash equivalents on its balance sheet.
How does Vitesse help insurers put premium and claim fund liquidity to work?
With real-time visibility into balances and payment activity, clients understand how much liquidity is actually required across their programmes. This allows them to reduce excess prefunding, replenish funds based on actual payment activity, and pool liquidity across multiple programmes rather than maintaining separate reserves for each one. Vitesse helps optimise liquidity management so that the largest possible proportion of funds can generate a return or be redeployed to support growth, while maintaining sufficient liquidity to meet ongoing payment obligations.
How does Vitesse help manage funds across insurance programmes and partners?
Vitesse enables insurers to structure and segregate funds across programmes, partners and other operational requirements using virtual accounts. Granular permissions and approval workflows define who can view, manage and make payments from each account, supporting delegated authority without sacrificing control. Real-time balances, transaction data and reporting provide a consolidated view across the portfolio, while maintaining clear segregation, cashbook and traceability at account level.
How does Vitesse support complex insurance arrangements?
Vitesse can support complex insurance arrangements by structuring fund flows to reflect the underlying commercial and risk relationships. This includes risk-sharing and quota-share structures, multiple capacity providers, delegated payment authority and other multi-party arrangements. The same flexible infrastructure can support premium orchestration and captive structures, including the allocation and movement of funds between participating entities.

Want to learn more?

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