Talisman Casualty Insurance Company provides all the necessary infrastructure to take advantage of the Protected Cell model. Although the process to establish captives can be challenging and similar to the licensing process of a normal commercial insurer, there are many cost saving benefits of using the captive structure. The insureds can gain direct access to International reinsurance markets and negotiate pricing based on experience of a particular small to midsize book of business or even find capacity for a new concept. Claims can be managed in an efficient manner within the cell and security can be structured where there is little to no risk retained. Each of Talisman’s unique protected cells operates as separate business units with the flexibility to make adjustments quickly to achieve the greatest underwriting success.