A janitorial, landscaping, maintenance and security company for shopping malls across the country with a $500,000 SIR had 12 years of outstanding general liability claims and reserves they wanted to eliminate from their balance sheet so they could sell the company without a hold-back in the purchase price.  GJS Re designed a transfer of all liabilities for the years in question, including the management of all claims, that allowed the company to cover all claims from the ground up and replace their TPA.  The higher limit we arranged satisfied the buyer that all liabilities were covered.