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

Luxembourg has amended its Labor Code under articles L. 312-9 and L312-10 to introduce an explicit right to disconnect for employees and implement fines for employers who fail to take action or breach the provisions of a right to disconnect agreement. The law came into force on 4 July 2023.Luxembourg enacts right to disconnect [Updated]

Luxembourg enacts right to disconnect [Updated]

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Luxembourg has amended its Labour Code under Articles L.312-9 and L.312-10 to introduce a structured right-to-disconnect framework requiring employers to ensure implementation of measures governing disconnection from digital tools through collective bargaining ...
Read moreLuxembourg enacts right to disconnect [Updated]

Australia Combines and Expands Parental Leave Entitlements [Updated]

The Australian government recently announced that the existing government-paid primary caregiver parental leave and partners leave will be combined into a single 20 week leave available to, and shareable between, both parents starting from 1 July 2023.The Australian government recently announced that the existing government-paid primary caregiver parental leave and partners leave will be combined into a single 20 week leave available to, and shareable between, both parents starting from 1 July 2023.

Where there’s smoke: How plan sponsors can guard against tobacco surcharge litigation

For organizations that offer wellness programs to their workforce, there’s increased scrutiny over how employees who use other tobacco products are treated under those programs. For organizations that offer wellness programs to their workforce, there’s increased scrutiny over how employees who use other tobacco products are treated under those programs.

IRS releases HSA and high-deductible health plan limits for 2027

The IRS has announced the inflation-adjusted contributions and related amounts for health savings accounts (HSAs) and HSA-compatible high-deductible health plans (HDHPs) for 2027.The IRS has announced the inflation-adjusted contributions and related amounts for health savings accounts (HSAs) and HSA-compatible high-deductible health plans (HDHPs) for 2027.
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