Alternative Risk Transfer (ART) is Discover Re's business. Nothing else. Since our founding in 1990, our total focus has been exclusively on ART, and on the compelling needs of our customers. Every solution we design, every system we build is directly aimed at perfecting our service to the ART market. We listen well, in order to partner intelligently. Risk managers want control and predictability - of costs, of claims management, of safety and loss prevention programs, of investments and actuarial services. We do not provide these services, but by designing the risk transfer platform as we have, we enable risk managers and captive program managers the freedom to orchestrate all of their internal and external resources in a way that is specifically advantageous to their organization. Customers do not need to adapt to existing products. For Discover Re, every client poses a unique circumstance. We build individual partnerships because we respond to the nature of the business and their risks in order to craft refined solutions.