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

Antitrust and regulatory coverage under directors and officers liability (D&O) policies was once widely available to healthcare organizations. With litigation costs soaring and enforcement intensifying, underwriters are scrutinizing this coverage more closely. Fading antitrust and regulatory D&O coverage challenge healthcare organizations to act

IRS announces benefit plan limits for 2026

The IRS has released the cost-of-living adjusted (COLA) limits for welfare and retirement benefit plans for 2026.The IRS has released the cost-of-living adjusted (COLA) limits for welfare and retirement benefit plans for 2026.

Download Today: 2026 Global Healthcare Cost Trend Report

Employer health plan costs are projected to rise 10.9% globally, with more than  half of countries expecting double-digit increases. Chronic disease, pharmacy costs, and labor shortages are driving this trend. Employers are responding with smarter negotiations, digital tools, and preventive strategies. Download Lockton’s Global Healthcare Cost Trend Report to read more about these insights.  Employer health plan costs are projected to rise 10.9% globally, with more than  half of countries expecting double-digit increases. Chronic disease, pharmacy costs, and labor shortages are driving this trend. Employers are responding with smarter negotiations, digital tools, and preventive strategies. Download Lockton’s Global Healthcare Cost Trend Report to read more about these insights.

Eight emerging risks to watch for food, agriculture, and beverage companies

New and emerging risks are shaping the food, agriculture, and beverage industry. In today’s market, understanding key risk factors, and how to mitigate them, is essential. Here are eight emerging risks to knowNew and emerging risks are shaping the food, agriculture, and beverage industry. In today’s market, understanding key risk factors, and how to mitigate them, is essential. Here are eight emerging risks to know
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