Risk Retention Analysis

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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.

To learn more our full range of actuarial services, please call us at (615) 269-4469.

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