NEW BOOK RELEASED | Applied Artificial Intelligence in Insurance & Risk Management
REINSURANCE, CAPTIVES & ALTERNATIVE RISK

When Traditional Insurance Is Not Enough, the Structure Matters.

UIRB helps organizations evaluate reinsurance, captive, retention, and alternative risk-transfer structures designed to improve capacity, efficiency, control, and long-term risk financing.

What We Evaluate

Alternative risk structures should be driven by the organization’s exposures, capital position, risk appetite, and long-term objectives — not by structure alone.

Reinsurance Strategy

Structure, attachment points, limits, recoverability, and market options.

Captive Feasibility & Structure

Whether a captive makes strategic and economic sense, and how it should be structured.

Retention Strategy

How much risk to retain, fund, or transfer.

Alternative Risk Transfer

Non-traditional solutions for difficult, volatile, or capacity-constrained risks.

Capital & Collateral Requirements

Capital, collateral, trust, and funding requirements associated with retained risk.

Long-Term Risk Financing

How insurance, reinsurance, retention, and alternative structures should work together.

When Alternative Risk Makes Sense

These structures are most useful when traditional insurance no longer provides the right balance of cost, capacity, control, or flexibility.

Capacity Is Limited

Traditional markets cannot provide sufficient limits or acceptable terms.

Losses Are Predictable

The organization has enough loss data and financial strength to consider retaining more risk.

Insurance Cost Is Too High

Premium and program cost have become difficult to justify relative to retained risk.

Greater Control Is Needed

Management wants more control over risk financing, claims, program design, or long-term strategy.

Considering a Different Way to Finance Risk?

UIRB can help determine whether reinsurance, a captive, greater retention, or another alternative structure is appropriate for your organization.
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