Alternative Risk Strategies
Customized Risk Financing for Forward-Thinking Businesses
Traditional insurance doesn’t always align with the evolving needs of modern organizations. At Fern Rock Insurance Agency, we specialize in Alternative Risk Strategies—innovative approaches like large deductible plans, rental captives, and single-parent captives. These strategies allow businesses to take greater control of their risk, reduce costs, and improve financial predictability.
What Are Alternative Risk Strategies?
Alternative Risk Strategies are non-traditional insurance approaches that shift a portion of risk financing back to the organization. Rather than relying solely on the commercial insurance market, businesses can leverage:
- Large Deductible Plans – Retain more risk upfront to reduce premium costs, ideal for companies with strong loss control programs.
- Rental Captives – Access the benefits of a captive insurance company without the full capital investment—great for mid-sized businesses entering the captive space.
- Single-Parent Captives – Full control and customization through a wholly owned insurance entity. Ideal for larger firms seeking a long-term, strategic solution
Why Consider an Alternative Strategy?
- Cost Efficiency – Reduce premiums and improve cash flow through smarter risk retention.
- Control & Transparency – Gain direct insight into claims, underwriting, and investment income.
- Customization – Tailor coverage and claims management to your exact operational risks.
- Profit Potential – Retain underwriting profits and build surplus reserves over time.
- Strategic Alignment – Align your insurance program with enterprise risk management goals.
Why Fern Rock?
Fern Rock Insurance Agency brings deep experience and hands-on expertise in designing and managing alternative risk strategies. Our team helps you:
- Evaluate feasibility and readiness
- Design custom program architecture
- Select and manage the right risk financing structure
- Monitor performance and make data-driven adjustments
Whether you’re exploring a large deductible program or looking to establish your own captive, Fern Rock is your partner every step of the way.