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Alternative Risk Financing

Get the financing that fits your needs.


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
  • Large deductible programs
  • Self-insured retention plans
  • Qualified self-insurance
  • Retrospective rating plans
  • Captives of all types, based on 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
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