Alternative Risk Financing

Lower insurance costs are an advantage that every business owner understands. Alternative risk financing is the self-assumption of risk, combined with insurance, to finance an organization's property and liability losses. It is a formal program for managing and paying for an organization's losses usually for a defined period.

Lloyd Sadd Insurance has extensive experience in structuring risk financing mechanisms and after listening to clients to find out their needs in this category, we have focused our expertise in the following areas:

High retention programs

• Reciprocals
• Shared risk mechanisms
• Captives

In developing risk financing solutions, Lloyd Sadd Insurance delivers the following:

• Deductible optimization studies
• Risk retention analysis
• Actuarial analysis
• Cost of risk allocations
• Program design