Risk-financing solutions to explore
Solutions are the structures and approaches organizations use to finance risk, from captives, cells and risk retention groups to self-insurance, stop-loss and structured programs. Each page explains how one approach works, what it asks of the owner and which providers support it. The labels overlap but are not interchangeable, and this list is not the set of outcomes the AI Assessment scores. If you already know the kind of firm you need, browse provider categories.
- Alternative Risk Transfer (ART)Ways of financing risk outside conventional guaranteed-cost insurance, from captives to structured and parametric programs.
- Association / Member-Owned Risk ProgramA captive insurer for an association's members, built around exposures the members share.
- Captive InsuranceAn insurer owned by the businesses it insures, used to retain and finance a defined layer of their own risk.
- Captive Reinsurance ProgramPrograms in which a captive reinsures risk from the licensed insurer that issues the policies.
- Group CaptiveA captive owned by several companies that pool part of their risk and share the cost of running it.
- Medical Stop LossSpecific and aggregate protection for self-funded employers against large or accumulating health claims.
- Protected Cell / Cell CaptiveA cell-based structure that separates participant assets and liabilities within a sponsored or cell company framework.
- Rent-a-Captive / Sponsored CaptiveCaptive capacity rented from a sponsor's insurer under contract, without forming a captive of your own.
- Risk Pool / Public Entity PoolShared self-insurance programs for public bodies, operating under state law.
- Risk Retention Group (RRG)A member-owned US liability insurer, chartered in one state and registered in others under federal law.
- Self-Funded Health PlanAn employer-funded health plan, usually run by a third-party administrator and backed by stop-loss insurance.
- Self-InsuranceRetaining and funding your own losses directly, from deductibles and funded reserves to state-approved programs.
- Single-Parent CaptiveA captive primarily insuring the risks of one parent organization and related entities.
- Structured Risk / Multi-Year ProgramsCustomized risk-financing contracts spanning several years or lines, with negotiated limits and terms.