Alternative Risk Transfer
A Framework for the Strategic Allocation of Risks
Alternative Risk Financing (ARF) is a specialized area in Finance that utilizes non-traditional methods for managing and funding corporate risks, designed to actively manage total cost of risk (TCOR), improve cash flow, and manage risks often deemed uninsurable by traditional markets. Key strategies include captives, self-insurance, Cat Bonds and risk retention groups that offer customized, multi-year coverage structures.
Alternative Risk Transfer Services We Offer
Explore our wide range of services designed to enhance your organization’s resilience and optimize your risk financing strategy.
Captive Insurance
A company creates its own insurance subsidiary to insure its own risks, offering benefits like cost stabilization and direct access to reinsurance markets. Variations on the owned captive include cell captives and association captives.
Self-Insurance
Companies retain specific risks on their own balance sheets, offering cost savings and control over claims handling. Reciprocals, are a form of group self-insurance that allows businesses with similar risks to form their own insurance company.
Parametric Insurance
Policies that pay out based on a pre-defined trigger event (e.g., wind speed, earthquake magnitude) rather than actual, proven loss. Insurance-Linked Securities (ILS) are financial instruments that transfer risk directly to capital market investors including Cat Bonds, Sidecars and Collateralized Reinsurance.
Structured Risk Solutions
Tailored, multi-year, multi-line, or non-physical damage business interruption policies that bridge gaps left by traditional coverage.
Optimize Your Risk & Insurance Program
When the commercial insurance market is unable to meet your company’s specific needs there are ways to finance for future losses.
Our Sectors
Advisory and placement for contractors, developers, design and engineering firms and project owners across Canada.
Deeply embedded expertise bridging construction and operational phases with a single cohesive risk strategy.
Specialized solutions supporting Canada's evolving natural resources sector.
Advisory and placement services spanning manufacturing, natural resources, environmental services, and transportation.
Our Team
Managing Director, Head of Alternative Risk Transfer
Executive Vice President, Strategic Risks