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

Once considered an optional extra, cyber security is now a non-negotiable for accountancy practices. The sector has emerged as a prime target for modern-day cyber criminals, thanks in part to a large volume of held personal and financial data. But cyber-readiness continues to lag, with few practices prepared for the worst.

When it comes to insurance, the cyber landscape is shifting. It is becoming increasingly difficult for practices to obtain cyber insurance unless they can meet certain criteria, such as multi-factor authentication. At the same time, anecdotal evidence suggests that cyber insurance is being bundled into PII insurance or otherwise offered without question. But the reality is that your security measures must be clearly defined and implemented upfront – or the likelihood of a successful claim is slim.

In short, robust cyber prevention is the only viable option to minimise the impact of an attack. That’s why we’ve put together the below cyber security checklist, along with some practical cybersecurity measures for accountancy practices to follow.
Accountants: cybersecurity essentials to protect your practice

Specialist car market overview: September 2025

Stability has returned to the specialist car market, despite prices continuing to soften from their post-pandemic high. For the six months until July 2025, based on the average sell-through value of public auctions, the global market is down 9.7% versus 2024. The classic market is faring slightly better, with prices declining by 5.7%.

Nevertheless, the specialist car market remains buoyant. Public sale data from our trusted evaluation partner, The Classic Valuer, reveals how and why.Stability has returned to the specialist car market, despite prices continuing to soften from their post-pandemic high. For the six months until July 2025, based on the average sell-through value of public auctions, the global market is down 9.7% versus 2024. The classic market is faring slightly better, with prices declining by 5.7%.

Nevertheless, the specialist car market remains buoyant. Public sale data from our trusted evaluation partner, The Classic Valuer, reveals how and why.

Lockton sponsors LandAid Trek 2025 to support youth homelessness initiatives

Lockton sponsors LandAid Trek 2025 to support youth homelessness initiativesLockton sponsors LandAid Trek 2025 to support youth homelessness initiatives

Watch insurance: protecting your timepiece amid rising thefts

The UK remains a major target for watch thieves. Of the £150 million worth of luxury watches reported stolen worldwide in 2024, £60 million stemmed from thefts within the UK; some 40% of all high-end watches stolen internationally. The UK remains a major target for watch thieves. Of the £150 million worth of luxury watches reported stolen worldwide in 2024, £60 million stemmed from thefts within the UK; some 40% of all high-end watches stolen internationally.
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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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