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 four webcasts that make up our fall/winter Client Advisory Seminar Series cover a wide range of topical matters for plan sponsors and employers, including COBRA and ACA..Keep track of COBRA, emergency preparedness and more in our upcoming series of ERISA compliance webcasts

2026 trend data shows cost pressures holding steady at high levels

Medical and pharmacy trends remain high at 7.7% overall. Learn what's driving healthcare costs and what employers should expect moving forward.Medical and pharmacy trends remain high at 7.7% overall. Learn what's driving healthcare costs and what employers should expect moving forward.

Stay ahead of leave and pay transparency developments with our fall/winter webcast series

Join our experts for a series of webcasts covering key developments in federal, state, and local leave laws, as well as the rapidly evolving area of pay transparency.Join our experts for a series of webcasts covering key developments in federal, state, and local leave laws, as well as the rapidly evolving area of pay transparency.

FTC settlement with CVS Caremark: What employers need to know

Learn how the FTC Caremark settlement could reshape PBM pricing, point-of-sale rebates, transparency requirements, and employer pharmacy benefit strategies.Learn how the FTC Caremark settlement could reshape PBM pricing, point-of-sale rebates, transparency requirements, and employer pharmacy benefit strategies.
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