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 worldwide shift to remote work has sparked new logistical and structural legal challenges that have warranted many countries to pass teleworking legislation. This article has been updated to include recent amendments to Ukraine’s home-based and remote working legislation from 2 May 2025.New Remote Working Legislation Around the World [Updated]

New Remote Working Legislation Around the World [Updated]

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UPDATE: Ukraine amended its home-based and remote working legislation from 2 May 2025. More details below. With the rise of technology, work from home has been a steadily growing trend for many years. Remote working has exploded since Spring 2020 with quarant ...
Read moreNew Remote Working Legislation Around the World [Updated]

Wage and hour insurance market update

Wage and hour litigation is accelerating, and no industry is immune. Recently, federal filings have surged, and claim resolutions have reached hundreds of millions of dollars. Wage and hour litigation is accelerating, and no industry is immune. Recently, federal filings have surged, and claim resolutions have reached hundreds of millions of dollars.

India to implement major employment law reforms [Updated]

Update: On 21 November 2025, the Government of India announced the implementation of the four labor codes with effect from the same date. However, employers should note that the implementing regulations required to fully operationalize major provisions in the codes are still being finalized. The Government has indicated that draft rules will be published for stakeholder consultation. During this transition, existing labor laws and rules will continue to remain in force.Update: On 21 November 2025, the Government of India announced the implementation of the four labor codes with effect from the same date. However, employers should note that the implementing regulations required to fully operationalize major provisions in the codes are still being finalized. The Government has indicated that draft rules will be published for stakeholder consultation. During this transition, existing labor laws and rules will continue to remain in force.

Turning the tide on social inflation and rising liability insurance costs

Social inflation is fueling escalating litigation costs and a surge in nuclear verdicts, which is reshaping the risk landscape for businesses across the U.S. Social inflation is fueling escalating litigation costs and a surge in nuclear verdicts, which is reshaping the risk landscape for businesses across the U.S.
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