Alternative Risk

There may be times when a company needs to mitigate a substantial risk that is not addressed effectively in the traditional insurance or financial markets.

We are able to create customized alternative risk solutions for these businesses, allowing them to have greater control of their insurance program. Research Underwriters has established itself as a leader in the alternative risk market, writing over $1 billion in premium through high-capacity deductibles, self-insured retentions, and captives.

At its simplest, a captive is an insurance company that is created and controlled by a parent or group of parents to provide insurance for its owners. It provides risk managers greater access to the reinsurance markets and control over cost. A rent-a-captive offers the benefits of a captive insurance company without the capitalization requirements, administrative costs and legal ramifications associated with establishing and operating an insurance subsidiary, and can return underwriting profits and investment income to a participant.