Risk Finance Insurance Solutions
Lockton’s Risk Finance team meets our clients’ ever-increasing demand for risk finance, captive consultation and insurance collateral management strategies.
The group is known for delivering results while linking clients’ risk management programs to their strategic and financial objectives. The Risk Finance team understands insurance is a form of capital and produces superior outcomes by treating it as such.
Risk Finance is a collaborative group of finance, accounting, credit, and insurance professionals dedicated to our clients. These individuals expertly manage the credit underwriting process to minimize insurance collateral requirements and, when necessary, provide alternatives. They maintain knowledge of the credit process at each carrier and manage relationships with carrier credit officers.
Where traditional insurance is absent or inefficient, the Risk Finance team offers captive insurance consulting and the design and placement of alternative risk structures. Risk Finance consults on hundreds of captive insurance programs and risk retention group entities in dozens of domiciles, representing billions of dollars in captive insurance assets.
Our team helps clients evaluate cost of capital at risk versus cost of transferring that risk by leveraging insurance carriers’ balance sheets.
Lockton’s Risk Finance team delivers solutions by:
- Evaluating the most efficient use of capital
- Providing risk finance solutions to manage volatility
- Comparing insurance costs against a client's cost of capital
- Decoding carrier credit underwriting process
- Consulting on effective captive insurance strategies
- Eliminating redundant working capital
- Providing ongoing consultation; going beyond transactional insurance services
- Helping clients make informed risk finance decisions
Service starts with listening. We take the time to understand your specific goals, design a program that fits your needs, aggressively negotiate coverage, and implement a service plan. You will have the same dedicated service team throughout the entire process which allows us to anticipate your needs and create accountability.
It’s all about you. As a private, family-owned company, all our Associates focus solely on you, our client, rather than public shareholders.
Long-term thinking. Clients stay with us based on our expertise, creative solutions, seamless global resources and outstanding service. Our client retention rate of 95 percent reiterates our commitment to each and every client.