Risk Retention Analysis

A risk retention analysis can be helpful for determining the optimal level of risk for your organization, whether you are self-insured, a captive, or a risk retention group.

We will help you assess the advantages and disadvantages of different levels of risk retention, such as the excess premium savings a higher retention level may bring.Three items to consider in a risk retention analysis are:

Appetite for Risk

Each client’s appetite will be different. We will help determine your appetite for risk based on your financial stability, profitability, and internal goals.

Insurance Market

What pricing is available in the insurance/reinsurance market for the risks you want to transfer?

Regulatory Constraints

There may be certain restrictions to consider based on the insured’s financial condition – surplus level, expense ratio, etc.

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