Working with a select group of Hedge Funds Mark Cairns with Altruistic Life offers clients tailored Industrial Loss Warranties as a creative risk management tool, for insurers and / or insureds looking to protect and balance their portfolios from catastrophic risks associated with natural perils such as earthquakes, hurricanes, and windstorms. Why Buy an Industry Loss Warranty? * Contracts are easy to understand. * Retention is fairly small. * Buyers don't have to provide any underwriting information. * Pricing can be more competitive. * Reinsurers may not give the buyer credit for changes made to its portfolio. * The contracts can Provide broad coverage, Fill a shortfall in traditional programs, and be purchased quickly.