Why choose IOA for alternative risk financing?
For businesses with unique risk profiles or specific financial objectives, traditional insurance might not provide the flexibility or control they require. Alternative risk financing offers tailored solutions that go beyond conventional coverage, allowing businesses to better manage their exposures and reduce overall costs.
At IOA, we help you explore options like large-deductible programs, self-insurance, and captives to find the right fit for your operational needs. With our guidance, you can build a resilient risk management strategy that enhances cash flow, addresses hard-to-insure risks, and aligns with your financial goals.
Our advisors bring expertise and innovative thinking to help businesses navigate and implement alternative risk financing solutions.
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Extensive expertise
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IOA advisors understand the complexities of alternative risk financing and how these solutions can complement your existing insurance strategy. We guide you through the process of identifying programs that fit your business’s unique requirements, from loss forecasting to program formation.
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Access to a broad range of solutions
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Our connections with industry-leading providers ensure you can select from a variety of innovative options, such as captives, self-insured retention plans, and loss portfolio transfers. Whether you aim to lower premium costs, retain greater control over claims, or address uninsurable exposures, IOA provides the tools to meet your goals.
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Dedicated support
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From initial assessments to ongoing program reviews, IOA supports your business at every step. Our team ensures your alternative risk financing solutions adapt as your operations and risk profile evolve, providing peace of mind and long-term value.
Features
IOA offers a comprehensive range of alternative risk financing solutions, including:
Large-deductible programs
Reduce premiums by assuming more upfront risk.
Self-insured retention plans
Retain control over predictable losses while minimizing costs.
Qualified self-insurance
Meet regulatory requirements while managing risks internally.
Captive insurance programs
Pool risks and reduce costs through group or single-owner captives.
Retrospective rating plans
Adjust premiums based on your actual loss experience.
Loss portfolio transfers
Transfer existing liabilities to free up capital.
Uninsurable exposures
Address risks that traditional insurance cannot cover.
Collateral reviews
Optimize cash flow by minimizing collateral requirements.
Warranty programs
Offer tailored coverage to meet client-specific demands.
Connect with an IOA insurance expert
Speak to an IOA broker who understands your industry, goals, and challenges.
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