Lockton’s dedicated Analytics insurance team provides bespoke analysis, market intelligence and insights to help you make informed decisions about risk retention and financing. By sharing easy-to-interpret analysis, our in-house industry experts will help you evaluate and plan for the unique exposures you face, while providing you with an audit trail to present to key stakeholders.

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Inform your decision-making with tailored analytics

Lockton’s dedicated Analytics Insurance team provides bespoke analysis, market intelligence and insights to help you make informed decisions about risk retention and financing.

By sharing easy-to-interpret analysis, our in-house industry experts will help you evaluate and plan for the unique exposures you face, while providing you with an audit trail to present to key stakeholders.

We work with you to measure and understand your risks, using analytics to assess expected outcomes and scenarios, while evaluating new ways to finance your exposures. In short, our goal is to provide you the analysis you need to achieve the best possible solution.

What we bring to your business

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

News and Insights

Insurance can often play a vital role in unlocking development potential by mitigating risk so that developers and funders are willing to invest resource and finance into a project. For construction practitioners, however, the implementation of specialist insurance can also bring unique risks. Understanding these risks and seeking specialist advice can be crucial when it comes to mitigating potential claims.Atypical projects have uncommon insurance: possible implications for PII

Lockton appoints Emilie Bardey as Head of FI Wholesale

Lockton, the world’s largest independent insurance broker, has announced that Emilie Bardey has been appointed as Head of Financial Institutions (FI) Wholesale, effective 1 May 2025. Lockton, the world’s largest independent insurance broker, has announced that Emilie Bardey has been appointed as Head of Financial Institutions (FI) Wholesale, effective 1 May 2025.

Why scale-ups need Enterprise Risk Management

As startups transition into scale-ups, they often enter a period of rapid growth and heightened uncertainty. It’s a thrilling phase – marked by increased market traction, expanding teams, and bigger opportunities – but also a time when growing pains can be fatal if risks aren’t well managed.

Enterprise Risk Management (ERM) plays a critical role in this journey, helping organisations navigate the turbulence that accompanies scaling. For founders and leadership teams aiming to build resilient, sustainable companies, embedding ERM into their growth strategy isn’t just good practice – it’s essential.As startups transition into scale-ups, they often enter a period of rapid growth and heightened uncertainty. It’s a thrilling phase – marked by increased market traction, expanding teams, and bigger opportunities – but also a time when growing pains can be fatal if risks aren’t well managed.

Enterprise Risk Management (ERM) plays a critical role in this journey, helping organisations navigate the turbulence that accompanies scaling. For founders and leadership teams aiming to build resilient, sustainable companies, embedding ERM into their growth strategy isn’t just good practice – it’s essential.

Protecting your home from wildfire risk

Wildfires have become increasingly common in recent years as the UK experiences hotter, more extreme temperatures. With the potential to cause significant damage to property, it’s vital that homeowners take precautionary measures to mitigate the risk of loss. Wildfires have become increasingly common in recent years as the UK experiences hotter, more extreme temperatures. With the potential to cause significant damage to property, it’s vital that homeowners take precautionary measures to mitigate the risk of loss.
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We bring creative thinking and an entrepreneurial spirit to the insurance business and are uniquely positioned to help you succeed.

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