IN DIRECT INSURANCE MARKET LEMMA IS FOCUSED ON THE LARGE CORPORATE CLIENTS AND OFFERS THEM A WIDE SPECTRUM OF INSURANCE PRODUCTS:

Lemma aims to satisfy every need of the client in insurance and other financial services using its own potential
and that of the friendly and subsidiary companies.

Altogether the company possesses 30 licenses which allow offer the market virtually any kind of non-life product.

The company is not engaged in multi-level sales and does not develop agency force. In dealing with individuals it is rather focused on the large groups of insureds which could be efficiently serviced using latest IT achievements.

In the reinsurance market Lemma provides reinsurance support for 15 Ukrainian insurers and over 40 foreign companies from 20 countries both on treaty and facultative basis.

The share of the inward reinsurance premium within GWP is approximately 52% (as at 31.12.2006).

Local property and cargo portfolio is protected by the XOL reinsurance with A rated Swiss reinsurer.

Foreign portfolio is placed with five Lloyds syndicates on the XOL basis. Despite adequate reinsurance protection the Company follows conservative underwriting policy especially in the foreign markets.