American Overseas Group (OTCMKTS:AOREF) Limited (OTCMKTS: AOREF) is a Bermuda‐incorporated investment holding company that specializes in underwriting and administering third‐party insurance and reinsurance products. Through its principal operating subsidiaries, the company offers a broad spectrum of property, casualty, credit and surety, and life reinsurance solutions tailored to the needs of insurance companies, multinational corporations, and brokers. Its capabilities include treaty and facultative reinsurance, as well as captive management and risk retention services.
Founded in 1983 with roots in specialty underwriting, American Overseas Group has expanded its footprint to serve clients across North America, Europe, Latin America, and Asia. Its group structure enables it to provide localized underwriting expertise while leveraging a global network of brokers and distribution partners. The company writes business on both a direct and assumed basis, focusing on niche markets where its technical underwriting skills can deliver differentiated capacity and disciplined risk management.
American Overseas Group’s subsidiary portfolio includes composite insurers, life reinsurers, and third‐party administrators that collectively manage property and casualty lines alongside life and health reinsurance. The firm’s service offering extends from treaty structuring and policy issuance to claims handling and risk analytics. By integrating actuarial modeling with bespoke policy design, the company supports clients in addressing emerging exposures such as cyber risk, political risk, and renewable energy projects.
The company is governed by an experienced board of directors and supported by a senior management team that combines insurance underwriting veterans with finance and compliance professionals. Headquartered in Bermuda, American Overseas Group maintains on‐the‐ground offices in key financial centers, ensuring close collaboration with clients, regulators, and reinsurance markets worldwide. Its long‐standing presence in the international insurance community underscores its commitment to underwriting excellence and tailored risk solutions.
