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 Department of Labor (DOL) has recently updated the civil monetary penalties for various benefit-related violations to account for inflation. 2025 civil monetary penalties for benefit-related violations announced

2025 civil monetary penalties for benefit-related violations announced

article
The Department of Labor (DOL) has recently updated the civil monetary penalties for various benefit-related violations to account for inflation. According to federal regulations, the DOL must adjust these penalties for inflation by Jan. 15 each year. The new ...
Read more2025 civil monetary penalties for benefit-related violations announced

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Avoiding coverage gaps in financial institutions’ insurance policies

In today’s digital-dependent landscape, financial institutions face a broad array of cyber threats that challenge their operational integrity and client trust. To address these risks, financial institutions often rely on a combination of directors and officers liability (D&O), professional liability or errors and omissions (E&O), and cyber insurance policies.In today’s digital-dependent landscape, financial institutions face a broad array of cyber threats that challenge their operational integrity and client trust. To address these risks, financial institutions often rely on a combination of directors and officers liability (D&O), professional liability or errors and omissions (E&O), and cyber insurance policies.

Healthcare organizations: Don’t wait for legislation to adopt cybersecurity best practices

Legislation proposed in late 2024 by a bipartisan group in the Senate would introduce broad new requirements that healthcare organizations invest in and better manage cybersecurity risks. Healthcare providers, however, should be more proactive in managing their risk. Legislation proposed in late 2024 by a bipartisan group in the Senate would introduce broad new requirements that healthcare organizations invest in and better manage cybersecurity risks. Healthcare providers, however, should be more proactive in managing their risk.
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