Alternative Risk Solutions:
Custom Risk Transfer Strategies
for Complex Risks

What is Alternative Risk Transfer (ART)?

Alternative Risk Transfer is a suite of strategies used to manage, finance, or pool risk. It operates outside the traditional admitted insurance market, offering broader structural control. These mechanisms are ideal for high-hazard industries, pricing volatility, or unique exposures. Solutions may include captives, self-insurance, or specialized pooling arrangements.
The result: greater flexibility, cost efficiency, and control over how risk is managed.

^{ART may include:}

Building programs tailored to your specific risk profile, not generalized market templates.

Reducing reliance on volatile premiums and gain potential savings through retained profits and claims performance.

Taking direct control of claims handling, loss prevention, and coverage design.

Securing protection for exposures that traditional carriers may avoid or price prohibitively.

Retaining and reinvesting capital rather than overcommitting to fixed premium schedules.

Core ART Solutions

1. Captive Insurance Companies

‍_{Form your own insurance entity to underwrite your business risks. Captives are ideal for companies with predictable loss patterns, strong financials, or a desire for complete coverage autonomy.}

^{Key Benefits}

Full Control over policy design and claims handling
Tax and investment advantages (when structured properly)
Ability to cover unique or excluded risks

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2. Self-Insurance Programs

_{Fund your own losses up to a certain threshold rather than relying on third-party coverage. Effective for large organizations with strong balance sheets and internal risk management infrastructure.}

^{Key Benefits}

Eliminate traditional premium loadings
Pay claims only when they occur
Greater adaptability to cash flow cycles

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3. Risk Retention Groups (RRGs)

_{Join or create a licensed group insurance entity with peers in your industry. RRGs allow businesses with similar exposures to share costs and coverage responsibility.}

^{Key Benefits}

Full Control over policy design and claims handling
Tax and investment advantages (when structured properly)
Risk Retention Groups (RRGs)

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4. Industry-Specific Risk Pools

_{Participate in specialized coverage collectives tailored to sectors like construction, energy, or healthcare. These pools enable access to shared risk programs not otherwise available in the admitted market.}

^{Key Benefits}

Full Control over policy design and claims handling
Tax and investment advantages (when structured properly)
Risk Retention Groups (RRGs)

Why Harold Harper Insurance Co.?

We offer forward-thinking risk solutions—intelligent, precisely aligned, and far beyond expectations.

Schedule a risk strategy briefing