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

Lockton’s Integrated Absence Solutions and HR Compliance Consulting Fall & Winter webcast series Lockton’s Integrated Absence Solutions and HR Compliance Consulting Fall & Winter webcast series

Lockton’s Integrated Absence Solutions and HR Compliance Consulting Fall & Winter webcast series

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With 2026 quickly approaching, employers face an increasingly complex patchwork of new and amended state leave laws. To address these compliance challenges, you’re invited to Lockton’s Fall 2025 Paid Leave Webcast Series, presented by our Integrated Absence So ...
Read moreLockton’s Integrated Absence Solutions and HR Compliance Consulting Fall & Winter webcast series

Amidst continuous change, upcoming ERISA compliance webcasts keep employers in the know

Lockton offers a regular cadence of free webcasts, in which our compliance experts weigh in on a range of pressing issues and changes under the Employee Retirement Income Security Act (ERISA).Lockton offers a regular cadence of free webcasts, in which our compliance experts weigh in on a range of pressing issues and changes under the Employee Retirement Income Security Act (ERISA).

Lockton Appoints Three Executives to Lead U.S. Marine Practice

– Lockton, the world's largest privately held insurance brokerage, is pleased to announce the appointments of Anita Farmer, Rob Cairo and Jana Byron to newly created positions as practice leaders within the firm’s U.S. Marine Practice. Farmer and Cairo have been named U.S. Cargo & Logistics Practice Leaders, and Byron has been named U.S. Marine Risks & Liability Practice Leader. These appointments underscore the firm’s commitment to continuously deepening its marine expertise in order to best serve clients’ industry-specific needs. – Lockton, the world's largest privately held insurance brokerage, is pleased to announce the appointments of Anita Farmer, Rob Cairo and Jana Byron to newly created positions as practice leaders within the firm’s U.S. Marine Practice. Farmer and Cairo have been named U.S. Cargo & Logistics Practice Leaders, and Byron has been named U.S. Marine Risks & Liability Practice Leader. These appointments underscore the firm’s commitment to continuously deepening its marine expertise in order to best serve clients’ industry-specific needs.

Managing fiduciary liabilities as plan investment options grow

A recent executive order seeks to reshape the retirement landscape by opening the door to alternative assets for 401(k) and defined contribution plan participants. While the move promises long-term gains, it also introduces new complexities and risks. A recent executive order seeks to reshape the retirement landscape by opening the door to alternative assets for 401(k) and defined contribution plan participants. While the move promises long-term gains, it also introduces new complexities and risks.
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