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

The IRS has released additional cost-of-living adjustment limits for health and welfare benefit plans for 2027.IRS announces health and welfare benefit plan limits for 2027

IRS announces health and welfare benefit plan limits for 2027

article
The IRS has released additional cost-of-living adjustment (COLA) limits for health and welfare benefit plans for 2027. These limits, which are adjusted annually for inflation, affect the maximum tax-favored benefits employers may offer and employees may contri ...
Read moreIRS announces health and welfare benefit plan limits for 2027

Ten forces reshaping healthcare risk in 2027

As healthcare organizations look ahead to 2027, the most important trends are not simply what’s new, but the forces fundamentally reshaping their risk landscape. As healthcare organizations look ahead to 2027, the most important trends are not simply what’s new, but the forces fundamentally reshaping their risk landscape.

Final PBM transparency rules put plan sponsors in the driver’s seat

After a flurry of action by regulators and Congress earlier this year to shed light on PBMs, the DOL has at last published the final rule on PBM compensation disclosures. After a flurry of action by regulators and Congress earlier this year to shed light on PBMs, the DOL has at last published the final rule on PBM compensation disclosures.

Thailand to implement national Employee Welfare Fund [Updated]

Non-exempt employers in Thailand must begin contributing to the Employee Welfare Fund (EWF) from 1 January 2027.Non-exempt employers in Thailand must begin contributing to the Employee Welfare Fund (EWF) from 1 January 2027.
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