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

Litigation, enforcement actions and regulatory initiatives at the federal and state levels continued to drive the second quarter of 2026 for employee benefits and healthcare accessSecond quarter state law overview: federal enforcement and interstate conflicts drive uncertainty

Second quarter state law overview: federal enforcement and interstate conflicts drive uncertainty

article
Litigation, enforcement actions and regulatory initiatives at the federal and state levels continued to drive the second quarter of 2026, as our state law update highlights key legal and regulatory developments affecting employee benefits and healthcare access ...
Read moreSecond quarter state law overview: federal enforcement and interstate conflicts drive uncertainty

AI risks: what directors and officers need to know

All new technologies carry risks when introduced on an enterprise level. Artificial intelligence (AI) is no exception, and directors and officers may find themselves in the crosshairs should negative repercussions arise from the use of such tools. To be prepared for the potential regulatory scrutiny or claims activity that comes along with the introduction of a new technology, it is imperative that boards carefully consider the introduction of AI, and ensure sufficient risk mitigation measures are in place. All new technologies carry risks when introduced on an enterprise level. Artificial intelligence (AI) is no exception, and directors and officers may find themselves in the crosshairs should negative repercussions arise from the use of such tools. To be prepared for the potential regulatory scrutiny or claims activity that comes along with the introduction of a new technology, it is imperative that boards carefully consider the introduction of AI, and ensure sufficient risk mitigation measures are in place.

Once a manual crime, cargo theft now increasingly the domain of cyberattacks

Cargo theft is shifting from crowbars to keyboards. Learn how cybercriminals target shipments—and how carriers can reduce risk with cybersecurity and insurance.Cargo theft is shifting from crowbars to keyboards. Learn how cybercriminals target shipments—and how carriers can reduce risk with cybersecurity and insurance.

Communicating with care: Supporting patient comfort during exams while maintaining boundaries

How clinicians can maintain professional boundaries, ensure consent, and reduce risk during exams—best practices for safer, more respectful patient care.How clinicians can maintain professional boundaries, ensure consent, and reduce risk during exams—best practices for safer, more respectful patient care.
View All news and insights