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

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. Download Today: 2026 Global Healthcare Cost Trend Report

Download Today: 2026 Global Healthcare Cost Trend Report

article
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, ...
Read moreDownload Today: 2026 Global Healthcare Cost Trend Report

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

As technology outages become the new normal, staying operational means staying vigilant

From cloud outages to cybersecurity failures, the digital backbone of modern business is under constant strain. In this environment, preparation and planning aren’t optional — they’re a must. Organizations can build resilience through risk assessments, incident response planning, and cyber insurance strategies that help mitigate the impact of inevitable outages.From cloud outages to cybersecurity failures, the digital backbone of modern business is under constant strain. In this environment, preparation and planning aren’t optional — they’re a must. Organizations can build resilience through risk assessments, incident response planning, and cyber insurance strategies that help mitigate the impact of inevitable outages.

Thailand to implement national Employee Welfare Fund [Updated]

Update: The Thai government recently announced that the introduction of the Employee Welfare Fund (“EWF”) will be delayed by one year, postponing the original start date from 1 October 2025 to 1 October 2026.Update: The Thai government recently announced that the introduction of the Employee Welfare Fund (“EWF”) will be delayed by one year, postponing the original start date from 1 October 2025 to 1 October 2026.
View All news and insights