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

As we enter the fourth quarter of 2025, it is essential for employee benefits professionals to stay ahead of critical compliance deadlines that impact plan administration and reporting.Upcoming key compliance deadlines and reminders for fourth quarter 2025

Upcoming key compliance deadlines and reminders for fourth quarter 2025

article
As we enter the fourth quarter of 2025, it is essential for employee benefits professionals to stay ahead of critical compliance deadlines that impact plan administration and reporting. This period includes several important dates related to health and welfare ...
Read moreUpcoming key compliance deadlines and reminders for fourth quarter 2025

Washington Supreme Court ruling could lead to more litigation and EPL insurance claims

The recent Washington state Supreme Court ruling means employers operating in or recruiting from Washington have expanded liability under the law — and will likely have implications for insurance coverage.The recent Washington state Supreme Court ruling means employers operating in or recruiting from Washington have expanded liability under the law — and will likely have implications for insurance coverage.

Taiwan adds a significant number of new public holidays

Taiwan has introduced five new employer-paid public holidays: the day before Lunar New Year’s Eve, 1 May (Labor Day), 28 September (Confucius’s Birthday and Teachers’ Day), 25 October (Taiwan Retrocession Day), and 25 December (Constitution Day). The changes took effect from 28 May 2025.Taiwan has introduced five new employer-paid public holidays: the day before Lunar New Year’s Eve, 1 May (Labor Day), 28 September (Confucius’s Birthday and Teachers’ Day), 25 October (Taiwan Retrocession Day), and 25 December (Constitution Day). The changes took effect from 28 May 2025.

Lockton findings: Working families should evaluate dependent care FSAs

The recently passed One Big Beautiful Bill Act raises the contribution limits employees can make to a dependent care flexible spending account (FSA) beginning Jan. 1, 2026. This change poses an interesting question for employers and employees: which provides the greater tax advantage, a dependent care FSA or the dependent care tax credit? The recently passed One Big Beautiful Bill Act raises the contribution limits employees can make to a dependent care flexible spending account (FSA) beginning Jan. 1, 2026. This change poses an interesting question for employers and employees: which provides the greater tax advantage, a dependent care FSA or the dependent care tax credit?
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