Alternative Risk Financing

It is IOA’s goal to provide creative Risk Financing Programs to meet the strategic needs of our clients as an Alternative to Traditional Insurance. We carefully determine and assess the needs of your operations, and develop tailor-made solutions. Our objective is to reduce the “Cost-of-Risk” for our clients while providing sufficient protection of assets.

Product types are as follows:

Large Deductible Programs.
Self Insured Retention Plans.
Qualified Self Insurance.
Retrospective Rating Plans.
Captives (all types…based upon client need).
Deductible Buyback/Deductible Reimbursement Policies.
Loss Portfolio Transfers.
Capital Market Consideration.
Uninsurable Exposures.
Matching Deductibles.
“Discounted” Guaranteed Cost Plans.
Warranty Programs.
Program Development and Formation.
Loss Forecasting Capabilities.
Collateral Reviews.

BEING DIFFERENT IS OUR DIFFERENCE:

Whether you operate in one state, one country or around the world, IOA can help you minimize the cost of risk and maximize protection so you can focus on growing your business.