Use cases.

Situation. Venezuelan construction company with three decades of operation, technical office in Caracas and operating subsidiary in Panama, wins a public works bid in Panama City. The obligee requires a performance bond for 10% of the contract value. Local Panamanian capacity is saturated and Venezuelan market terms are not acceptable to the obligee.

Structure. Performance bond issued by Meridiano Re from Santo Domingo, with clauses adapted to the obligee's specifications. Term matching the construction schedule. Corporate and personal guarantees from the contractor's controlling group. Proportional reinsurance with international panel.

Result. Issuance within fifteen business days from submission. The contractor executes the work without capacity restrictions, and the obligee receives acceptable institutional backing. The broker maintains the relationship in both origin and destination.

Situation. Colombian specialty coffee producer exports to a dozen roasters and distributors in Trinidad and Tobago, Jamaica, Barbados, and the Dominican Republic. Average credit term of 60 days. The producer needs protection of its commercial receivables portfolio to access bank financing on better terms and mitigate concentrated bad debt risk.

Structure. Multi-buyer trade credit policy issued by Meridiano Re. Analysis of each buyer with individual limit assignment. 90% coverage of risk, single annual deductible. Monthly exposure reports. The structure allows the exporter to assign policy rights to the financing bank as collateral enhancement.

Result. The exporter obtains financing at significantly lower rates. During the first year, a minor claim from a Jamaican buyer's insolvency is paid within 30 days of notice, validating Meridiano Re's operational promise.

Situation. Financial group headquartered in Colombia with operations in Ecuador, Peru, Panama, Costa Rica, and the Dominican Republic. Processes information for more than half a million clients. Cyber coverage available in the Colombian market does not extend adequately to foreign operations, and sublimits are insufficient for the group's risk profile.

Structure. Cyber policy issued by Meridiano Re with territorial coverage extended to all six jurisdictions. First and third-party coverage, specific sublimit for business interruption, pre-approved incident response panel with 24/7 coverage. Bilingual Spanish-English documentation. Coordination with local paper in Colombia via fronting where regulatorily required.

Result. The group consolidates its cyber program under a single policy with a single carrier, simplifying administration and improving consolidated terms. Coverage covers the expected total cost of a significant breach scenario, not just a fraction.