Lockton Risk Finance

RISK MANAGEMENT

Risk Finance

Superior results happen when you treat insurance as a form of capital.

Delivering results

Nowhere else will you find a team dedicated solely to solving your risk financing and collateral issues. Lockton’s Risk Finance team meets our clients' ever-increasing demand for risk alternatives through captive consultation, collateral management strategies, and alternative structure solutions.

The team is a collaborative group of finance, accounting, credit, and insurance professionals whose primary role is to assist our service teams with the design and implementation of program structures that match our clients' needs from a cost-of-risk, cash-flow, accounting, tax and collateral perspective. This group is renowned for delivering results while linking clients' risk management programs to their strategic and financial objectives.

The Lockton Risk Finance difference

You will have experts working seamlessly with our marketing and quantitative analysis teams to deliver integrated risk financing solutions. Services the team offers include:

  • Provide risk finance solutions to manage client balance sheet and cash flow volatility

  • Consult on effective captive insurance strategies

  • Evaluate and construct bespoke alternative program structures to meet the client’s needs

  • Evaluate the most efficient use of client’s capital

  • Compare insurance costs against a client's cost of capital

  • Navigate through carrier credit underwriting process

  • Eliminate redundant working capital

  • Help clients make informed decisions

  • Provide ongoing consultation — going beyond transactional insurance services

Latest news & insights

Over the next four months, the summer edition of our Client Advisory Series Seminar series of webcasts will chew on some meaty and topical compliance issues, including pharmacy cost management tactics and strategies, what to expect when the next renewal cycle hits, and some practical compliance considerations when acquiring or merging with another company. Join our summer series of webcasts on ERISA compliance topics

2026 Lockton National Benefits Survey results are in

Lockton’s eighth annual 2026 survey of over 1,700 U.S. employers helps employers compare their benefit strategies with those of other employers -providing benchmark data, highlighting trends, and illuminating new ideas.Lockton’s eighth annual 2026 survey of over 1,700 U.S. employers helps employers compare their benefit strategies with those of other employers -providing benchmark data, highlighting trends, and illuminating new ideas.

Inside Healthcare M&A: Risk, Strategy, and Reps & Warranties Insurance

Gain expert insights into navigating healthcare M&A risks in this conversation between Transaction Liability’s Annie Heiss and Ropes & Gray M&A attorney Raxit Shah. Learn how reps and warranties insurance is reshaping deal strategy, reducing liability, and supporting successful outcomes in today’s evolving healthcare transactions.Gain expert insights into navigating healthcare M&A risks in this conversation between Transaction Liability’s Annie Heiss and Ropes & Gray M&A attorney Raxit Shah. Learn how reps and warranties insurance is reshaping deal strategy, reducing liability, and supporting successful outcomes in today’s evolving healthcare transactions.

Healthcare Enterprise Risk & the Role of Insurance

Explore ASHRM’s top 10 healthcare enterprise risks for 2025 and how insurance solutions help organizations manage financial, clinical, cyber, and operational exposure.Explore ASHRM’s top 10 healthcare enterprise risks for 2025 and how insurance solutions help organizations manage financial, clinical, cyber, and operational exposure.
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