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

Geopolitical conflict in the Strait of Hormuz is driving fertilizer shortages, energy shocks, packaging inflation, and rising war‑risk insurance costs across global supply chains.5 Things to Watch in Food and Agriculture: April 2026

5 Things to Watch in Food and Agriculture: April 2026

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1. Fertilizer will be growing headaches for farmers With headlines focused mainly on oil and gasoline prices, Ag operators have an even bigger headache brewing around fertilizer prices. The Middle East conflict has turned the Strait of Hormuz into a no‑go zone ...
Read more5 Things to Watch in Food and Agriculture: April 2026

Myriad threats challenge energy companies to step up their cyber risk management game

Energy companies can no longer ask if they will face a cyberattack, but rather how they will respond when one occurs. Read our article and learn how energy companies better navigate the cyber risk landscape. Energy companies can no longer ask if they will face a cyberattack, but rather how they will respond when one occurs. Read our article and learn how energy companies better navigate the cyber risk landscape.

Opportunity through precision: March 2026 Lockton Market Update

Lockton’s March 2026 Market Update breaks down the trends shaping insurance decisions this year, from economic conditions to capacity and emerging risks. Lockton’s March 2026 Market Update breaks down the trends shaping insurance decisions this year, from economic conditions to capacity and emerging risks.

Webinar | Cyber Risk in Wartime: What Leaders Need to Know Now

As geopolitical conflict escalates, our recent webinar breaks down what wartime cyber activity really looks like, and what organizations should be doing now to stay resilient.As geopolitical conflict escalates, our recent webinar breaks down what wartime cyber activity really looks like, and what organizations should be doing now to stay resilient.
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