> For the complete documentation index, see [llms.txt](https://wiki.unitas.foundation/unitas-protocol-v1/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://wiki.unitas.foundation/unitas-protocol-v1/how-unitas-protocol-works/for-insurance-providers-ips.md).

# For Insurance Providers (IPs)

- [Over-Reserve Ratio](https://wiki.unitas.foundation/unitas-protocol-v1/how-unitas-protocol-works/for-insurance-providers-ips/over-reserve-ratio.md)
- [Calculate the Reserve Ratio](https://wiki.unitas.foundation/unitas-protocol-v1/how-unitas-protocol-works/for-insurance-providers-ips/over-reserve-ratio/calculate-the-reserve-ratio.md)
- [Risk management](https://wiki.unitas.foundation/unitas-protocol-v1/how-unitas-protocol-works/for-insurance-providers-ips/risk-management.md)
- [4REX tokens](https://wiki.unitas.foundation/unitas-protocol-v1/how-unitas-protocol-works/for-insurance-providers-ips/4rex-tokens.md)
- [ve4REX and Dividend distribution](https://wiki.unitas.foundation/unitas-protocol-v1/how-unitas-protocol-works/for-insurance-providers-ips/ve4rex-and-dividend-distribution.md)