Alternative Risk
Oswald Companies’ team of highly qualified financial services
specialists help our clients analyze alternative risk financing
structures in order to select the best financial vehicles in the
insurance marketplace. Our team assists clients with a variety of
programs including:
- Retrospective Rating
- Large Deductibles
- Funded Deductibles
- “Clash” Coverages (single deductible for multiple lines)
- Captives
- Rent-A-Captive Arrangements
- Group Captives
- Single-Parent Captives
We also perform feasibility studies including discounted
cash-flow analysis and Monte Carlo simulation modeling. These
analytical tools are essential in determining the best risk financing
vehicle for your organization.
In addition to the evaluation of risk financing structures, clients
also appreciate our analytical approach to the selection of per
occurrence and aggregate retention levels. Our evaluations
include the use of such tools as:
- The “Loss Forecaster II” model, used for basic loss projections.
- Risk Modeling Simulation, for determination of confidence levels and projection ranges.
- Risk Retention Analysis, which includes analysis of client
financials to determine risk tolerance and sensitivity to fluctuations
in losses in a given accounting period.
Beyond providing specific tools for Alternative Risk Financing, our
people have the experience and intellectual capital to help our clients
use analytical tools to make sound business decisions. By
coupling our technical skills with real-world experience, we earn our
clients’ trust as a valued business partner.