TMS Re provides comprehensive excess loss products and services tailored to the insurance needs of employer and provider groups. Established as Cairnstone, Inc. in 1996, the Company was acquired by one of the world’s largest reinsurers, and in July 2018 was purchased through management buyout. Our Employer Stop Loss and Provider Excess Loss portfolio is the result of steady, focused growth over the last two decades, and has positioned TMS Re as one of the largest independent stop loss MGUs in the United States. The TMS Re team of highly experienced underwriting, actuarial, claims, and medical management professionals work closely with you to understand your long-term objectives and design the optimal stop loss solution to minimize your risk.