Risk tolerance analysis

• Using annual reports and other publicly available information, we will assess the impact of unbudgeted loss events on your key financial indicators

• This enables you to understand your financial ability to take insurance risk

Risk appetite interviews

• Through a series of interviews with key personnel, we will discuss your key risks and how you might finance them

• This helps determine your financial willingness to take insurance risk. Coupled with your risk tolerance, this enables you to ensure your insurance is ideal for your business

Collateral estimates

• Using claims data, risk exposures and claims development triangulations, we estimate the funds that should be set aside to pay for unsettled claims

• This aids negotiations with insurers, allowing them to gauge the level of collateral required

Loss projections

• Using your data and our own internal industry data, we project the aggregate losses that could occur for the forthcoming policy period

• This gives insight into the potential quantum of your risks, enabling you to plan for ‘bad’ years and secure appropriate insurance for your risk appetite. It also provides estimates for the losses you will need to fund at a specific level of retention

Economic cost of risk analysis

• Using our loss projections, we design the most financially efficient insurance structure that will:

  • Fit your risk appetite and tolerance

  • Use the most efficient blend of own and third party capital

• This approach minimises your cost of risk and informs your decision-making regarding your insurance placement