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 Patient-Centered Outreach Research Institute (POCORI) fee is a temporary charge on both fully insured and self-funded healthcare plans, applicable for policy years from 2012 to 2029. Reminder: PCORI filing is due by July 31

Reminder: PCORI filing is due by July 31

article
The Patient-Centered Outreach Research Institute (PCORI) fee is a temporary charge on both fully insured and self-funded healthcare plans, applicable for policy years from 2012 to 2029. This fee funds the Patient-Centered Outcomes Research Institute, an indepe ...
Read moreReminder: PCORI filing is due by July 31

How pharmacy closures could impact employee health and benefit costs

Pharmacy closures are widespread, and more pharmacy deserts are emerging. Assess the potential impacts on the workforce, explore opportunities to help plan members in affected areas maintain access to care, and proactively manage pharmacy benefit costs. Pharmacy closures are widespread, and more pharmacy deserts are emerging. Assess the potential impacts on the workforce, explore opportunities to help plan members in affected areas maintain access to care, and proactively manage pharmacy benefit costs.

Cyber-physical risk in the marine sector: a wake-up call from the MSC Antonia

The recent grounding of the MSC Antonia near the Eliza Shoals off Jeddah on 10 May 2025 has brought into sharp focus the real-world consequences of cyber-physical attacks in the maritime sector – and particularly within the MENA region. Analysis by respected maritime intelligence firms such as Pole Star Global and Windward indicate that the vessel's navigational systems were likely compromised by GPS jamming, leading to incorrect positioning data and ultimately to the grounding incident. This event underscores the growing cyber threat to vessel movement in the region – one with potential outcomes including groundings, collisions, and environmental harm. For MENA, where critical trade routes such as the Strait of Hormuz and the Suez Canal are lifelines of global commerce, the implications are particularly serious. Regional security dynamics, increased reliance on digital systems, and proximity to cyber-capable nation-state actors elevate both the frequency and severity of these risks. Despite this, in our work with marine clients across the Middle East and North Africa, we continue to observe a significant disconnect between emerging cyber threats and existing risk transfer arrangements. That gap must close before the next incident occurs. The recent grounding of the MSC Antonia near the Eliza Shoals off Jeddah on 10 May 2025 has brought into sharp focus the real-world consequences of cyber-physical attacks in the maritime sector – and particularly within the MENA region. Analysis by respected maritime intelligence firms such as Pole Star Global and Windward indicate that the vessel's navigational systems were likely compromised by GPS jamming, leading to incorrect positioning data and ultimately to the grounding incident. This event underscores the growing cyber threat to vessel movement in the region – one with potential outcomes including groundings, collisions, and environmental harm. For MENA, where critical trade routes such as the Strait of Hormuz and the Suez Canal are lifelines of global commerce, the implications are particularly serious. Regional security dynamics, increased reliance on digital systems, and proximity to cyber-capable nation-state actors elevate both the frequency and severity of these risks. Despite this, in our work with marine clients across the Middle East and North Africa, we continue to observe a significant disconnect between emerging cyber threats and existing risk transfer arrangements. That gap must close before the next incident occurs.

Ontario introduces new employment law reforms

Ontario is scheduled to implement two key employment law reforms aimed at improving transparency and safeguarding employee rights. Beginning 1 July 2025, employers will be required to provide new hires with key information before their first day of work. Additionally, starting 1 January 2026, all publicly advertised job postings must include expected compensation and disclose any use of artificial intelligence in the hiring process.Ontario is scheduled to implement two key employment law reforms aimed at improving transparency and safeguarding employee rights. Beginning 1 July 2025, employers will be required to provide new hires with key information before their first day of work. Additionally, starting 1 January 2026, all publicly advertised job postings must include expected compensation and disclose any use of artificial intelligence in the hiring process.
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