Renasa believes that insuring for catastrophe rather than mismanagement or misbehaviour leads to more economic insurance costs - reinsurance structure, business classes, direct brokers, administrators, performance guarantees, contractors all risks, lower cost insurance, control of insurance processes, policy issuing, claims settlement, personal lines, commercial lines, responsible risk management, value and service, technical support, specialist underwriters, management of loss ratios, underwriting management agencies, UMA, policy administration system.