Workers’ Compensation is often the largest insurance spend for employers, with significant impacts on cash flow. Lockton can assist with both risk financing, which doesn’t impact your ability to access other funding, as well as negotiations with insurers and regulators to put in place plans to reduce the burden on your business.

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Funding & Risk Financing

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Keeping you in charge of cash flow

    Workers’ Compensation is often the largest insurance spend for employers, with significant impacts on cash flow, as many policies have upfront payment expectations, or discounts available for early payment. Premium Funding can be utilised to conserve and manage cash flow, and the interest cost is usually tax deductible. Premium Funding agreements are generally not secured by business assets, which frees up working capital to allow you to get on with running your business, without tying up your existing facilities. Lockton can assist with organising competitive quotes for risk financing, as well as negotiations with insurers and regulators to put in place plans to reduce the burden on your business.

    Key contacts

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    Craig Simpson

    National Manager - Premium Strategy & Analytics
    craig.simpson@lockton.com
    +61 414 637 205

    General Inquiries

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    info.au@lockton.com

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    Our People solutions team bring creative thinking and an entrepreneurial spirit to the insurance business and are uniquely positioned to help you succeed.

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    Lockton People Solutions FAQs

    What is Lockton People Solutions?

    Lockton believes every business maximizes their potential when their people maximize theirs. That’s why we help our clients make their business, and their people’s lives, better. We know employers need solutions that help balance attracting and retaining talent, manage costs and promote employee well-being. Lockton helps guide clients to people solutions that drive employee understanding, engagement and satisfaction; incorporate competitive total rewards and benefits packages; and manage and measure the effectiveness of your programs.

    Lockton’s People Solutions Market Update offers comprehensive quarterly insights on the U.S. market dynamics impacting cost management, employee wellbeing, and benefits strategies. In our Q4 2025 edition, we explore the broader industry forces behind system-wide strain and connect high-cost claims analysis with a full picture of how widespread market pressures are shaping employer plan costs. You can find our latest market update here.

    We work with every client thinking about how we can best improve your employee experiences to drive engagement, understanding, satisfaction and productivity; design total rewards and benefits that increase perceived value and help attract and retain talent, while controlling costs; and help you make information-based decisions, measure and manage your programs, while driving a competitive business advantage amid an increasingly complex landscape.

    Lockton delivers a full suite of solutions in the following areas: employee experiences and engagement, total rewards and benefits, and management and measurement.

    Lockton is privately owned, which allows teams to prioritize client business. Our Associates are empowered to go above and beyond to help their clients succeed and the entrepreneurial culture at Lockton fosters data-driven solutions, solving problems faster and more efficiently.

    Lockton operates all over the globe through Lockton offices and a network of Lockton Global Partners.

    We can help with all M&A transactions from SME to large corporate.

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