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

Malaysia will implement new mandatory contributions to the Employees Provident Fund (EPF) for foreign employees, starting 1 October 2025. Both employers and foreign employees will be required to contribute 2% of monthly wages each.Malaysia introduces mandatory EPF contributions for foreign employees

Malaysia introduces mandatory EPF contributions for foreign employees

article
Malaysia will implement new mandatory contributions to the Employees Provident Fund (EPF) for foreign employees, starting 1 October 2025. Both employers and foreign employees will be required to contribute 2% of monthly wages each. Background The Employees Pro ...
Read moreMalaysia introduces mandatory EPF contributions for foreign employees

From risk to reward: Why employers must embrace their health plan fiduciary duties

While it’s always been a requirement, the emphasis on being a fiduciary over a health and welfare benefit plan is fairly new – and it’s a shift in mindset that employers must adopt. That’s because addressing ever-rising plan costs isn’t just a financial concern; it’s an obligation to plan participants and beneficiaries that is required by law. While it’s always been a requirement, the emphasis on being a fiduciary over a health and welfare benefit plan is fairly new – and it’s a shift in mindset that employers must adopt. That’s because addressing ever-rising plan costs isn’t just a financial concern; it’s an obligation to plan participants and beneficiaries that is required by law.

One Big Beautiful Bill brings changes for employee benefit plans

The almost 900-page bill is a sweeping tax and spending package that President Trump regards as a fulfillment of campaign promises. In addition to tax and spending cuts, the OBBB includes several provisions that will impact employee benefit plans.The almost 900-page bill is a sweeping tax and spending package that President Trump regards as a fulfillment of campaign promises. In addition to tax and spending cuts, the OBBB includes several provisions that will impact employee benefit plans.

New Remote Working Legislation Around the World [Updated]

An abrupt worldwide shift to remote work in spring 2020 warranted many countries to pass teleworking legislation.An abrupt worldwide shift to remote work in spring 2020 warranted many countries to pass teleworking legislation.
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