Alternative risk financing refers to use of techniques other than traditional (re)insurance to protect from risk of loss, with objective to attract non-traditional capital willing and able to absorb insurance risk. Whether it’s a captive insurance company, large deductible program, self-insured entity, public entity pool or syndicate, an alternative risk financing entity is a risk retention program outside the traditional commercial property and casualty market.

SL FINANCIAL understands their needs, the most important of which is a desire to control insurance costs over the long term. Each program has unique risk characteristics that are often the impetus for the program formation in the first place. Differing geographic, industry or line of business mixes of business may dictate customized approaches to reviewing the risk profile for your program. SL FINANCIAL has expertise in a wide variety of lines of business, regulatory jurisdictions and industry niches (e.g., commercial auto liability and trucking liability).