Structured Insurance Programs

Risk Finance designs non-traditional, innovatively structured programs that apply insurance and/or capital market strategies to help companies address:      

a)       unusual or difficult-to- place risks, or

b)       traditional risks more efficiently”
 

These programs differ from most traditional insurance by including some element of "structure" such as an experience account, premium adjustments and/or the manner in which limits respond.  When a Structured Insurance Program includes an experience account, that account is funded by a portion of the program's typically substantial premium or deposit premium.  The account earns interest and funds loss payments. At a specified date after the policy period ends, the client may be eligible to receive any remaining balance.