TMS Re, Inc.
Focused expertise to guide your risk management

Insurance. Assurance.

Expertise focused on risk management.

Expertise focused on risk management. 

TMS Re, Inc. provides comprehensive excess loss products and services tailored to the insurance needs of your employer and provider groups. Established as Cairnstone, Inc. in 1996, the Company was acquired by one of the world’s largest reinsurers, and in July 2018 was purchased through management buyout. Our team of highly experienced underwriting, actuarial, claims, and medical management professionals work closely with you to understand your long-term objectives and design the optimal stop loss solution to minimize your risk.


We’re one of the largest independent stop loss MGUs in the United States.

Our Employer Stop Loss and Provider Excess Loss portfolio is the result of steady, focused growth over the last two decades. Our organizational structure ensures a direct and responsive connection with you, and our alignment with A+ underwriters provides long-term stability and protection to brokers and clients.

This means comprehensive and competitive policies that work for you. With an appetite for risk, our talented group embodies a forward-thinking organization built on strong customer relationships carefully forged by years of trust.

We're ready to work with you.

Employer Stop Loss


Provider Excess Loss

TMS Re cost containment services lower claims costs and overall catastrophic claim risk.


We carefully craft flexible policies that enable you to control your financial exposure.


Company News

TMS Re partners with Nationwide for your ESL needs
January 2019
TMS Re is aligned with Nationwide Insurance to provide a full range of product features to brokers and clients.