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Structured Insurance Solutions

Unlock possible savings by managing complex risks via customized multiyear risk financing solutions that deliver certainty of coverage, predictable premiums and a chance to share in underwriting profit.

Is your organization faced with too-high premiums and limited traditional insurance capacity for its harder-to-insure risks?

Our structured insurance solutions can give you a more cost-effective and stable alternative to traditional insurance. We design flexible, multi-year contracts around your specific needs, helping you manage and finance challenging risks more cost-efficiently and confidently.

Stability and savings through specialized structured solutions

  • Access potential premium returns: Our structured solutions are designed to return a proportion of your total premiums when losses are lower than expected and they have not been used to pay claims over the contract term.
  • Optimize risk retention: By retaining a portion of the risk, you can reduce the overall cost of insurance while maintaining control over your risk management strategy.
  •  Insulate from annual market fluctuations: Ensure your insurance costs remain stable regardless of market movements.
  • Reduce financial uncertainty: Budget with confidence with structured solutions that provide stable insurance costs over a multiyear period.
  • Support long-term risk management: We design structured solutions to finance challenging risks over longer terms, which can support more proactive risk management that goes beyond thinking about risks in yearly cycles.
  • Customization as standard: We tailor your structured solution around your specific needs and your risk management strategy.
  • Connecting you to the most appropriate solution: Should a structured solution prove not the most effective way to manage a harder-to-insure risk, we’ll work with our wider Alternative Risk Transfer teams to find the solution that’s a better fit.

When should you think about structured solutions?

A specialized structured insurance solution could be right for your organization if:

  • You want the chance to share in underwriting profits
  • You need to address highly distressed risks such as environmental, asbestos, property and transportation risks
  • You’re concerned about the financial impact of large losses you’re struggling to mitigate
  • You’re seeing a big difference between your view of a risk and the market’s
  • High volatility and uncertainty are skewing your organization’s risk profile in a risk area
  • If you want to better align risk tolerance, risk retention and risk management strategy with your business objectives.

Analytics that help you save through structured solutions

Our data-driven analytical insight gives us a detailed and precise understanding of your risk profile and how you can optimize your risk retention and transfer strategy. We embed this optimized strategy when designing your structured solution.

Analytics also gives us valuable benchmarking insight, comparing your risk profile and performance against industry peers. This helps us identify areas for improvement and further savings potential.

Ready to enjoy more savings and certainty around managing your hard-to-insure risks? Speak to our Structured Solutions and Alternative Risk Transfer specialists.

Capabilities related to Structured Solutions

Alternative Risk Transfer and Financing

Tailored alternative risk transfer (ART) solutions, designed to deliver stability and certainty to support your organization’s growth.

Parametric Solutions

Overcome the limitations of traditional insurance policies and support quicker recovery from extreme weather and natural perils with tailored, optimized parametric solutions that provide rapid liquid funds.

Risk and Analytics

Optimize risk management, improve financial performance and gain actionable insights with our integrated risk and insurance analytics and consulting services.

Corporate Risk Tools and Technology

Our risk analytics tools deliver the insights you need to understand your risks and make data-driven decisions for your risk financing and business resiliency investment needs.

Captive and Insurance Management Solutions

Get more value from your captive with our strategic consulting, analytics and risk retention advice, plus global captive and insurance company management services.

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