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

Employers with group health plans that provide prescription drug coverage to Medicare‑eligible individuals must submit an annual disclosure to the Centers for Medicare & Medicaid Services (CMS) indicating whether their prescription drug coverage is creditable or non‑creditable. Medicare Part D creditable/non‑creditable coverage disclosure to CMS due March 2, 2026

Medicare Part D creditable/non‑creditable coverage disclosure to CMS due March 2, 2026

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Employers with group health plans that provide prescription drug coverage to Medicare‑eligible individuals must submit an annual disclosure to the Centers for Medicare & Medicaid Services (CMS) indicating whether their prescription drug coverage is creditable ...
Read moreMedicare Part D creditable/non‑creditable coverage disclosure to CMS due March 2, 2026

The United Kingdom introduces reforms for stronger employment rights [Updated]

The UK government recently published the Employment Rights Bill, which proposes several reforms, including granting certain employment rights from the first day of employment and making flexible working the default where feasible.The UK government recently published the Employment Rights Bill, which proposes several reforms, including granting certain employment rights from the first day of employment and making flexible working the default where feasible.

A double dose of PBM reform: What employers should know about the new federal law and proposed DOL rules

The president has signed into law the Consolidated Appropriations Act, 2026, which includes extensive new federal reforms for pharmacy benefit managers (PBMs). This comes on the heels of proposed regulations issued by the Department of Labor’s Employee Benefits Security Administration (EBSA) that would significantly expand ERISA disclosure requirements for PBMs.The president has signed into law the Consolidated Appropriations Act, 2026, which includes extensive new federal reforms for pharmacy benefit managers (PBMs). This comes on the heels of proposed regulations issued by the Department of Labor’s Employee Benefits Security Administration (EBSA) that would significantly expand ERISA disclosure requirements for PBMs.

February 2026 Healthcare Market Update

Explore the key financial, workforce, and risk pressures shaping healthcare in 2026. Learn how providers can strengthen enterprise‑wide risk, insurance, and benefits strategies.Explore the key financial, workforce, and risk pressures shaping healthcare in 2026. Learn how providers can strengthen enterprise‑wide risk, insurance, and benefits strategies.
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