Alternative Risk

Exceptional Insurance Choices

A growing number of our clients are turning to alternative risk programs to meet their insurance and financial needs. These aren’t conventional insurance plans, so companies considering an alternative risk strategy require an expert’s advice and guidance to determine if these programs represent a viable alternative to current traditional insurance methods. When used properly, alterative risk insurance strategies provide certain organizations with a risk financing mechanism that replaces many of the limitations of traditional insurance.

The HDH Group’s Alternative Risk Department assists our clients in understanding the opportunities and risks associated with Alternative Risk Transfer


	"Since the inception of our captive in 2002, HDH continues to provide valuable guidance and support that contributes to the growth and success of our captive. As a result, we continue to recognize HDH as a trusted advisor and partner that aggressively provides value-added resources to the member companies of our captive."

	Jim Covelli King's Family Restaurant

strategies. Through the use of captives, risk retention groups, and qualified self-insurance plans, our experts provide clients with a variety of options that work to considerably lower the cost of their risk overtime. These programs work for a select – but growing – group of our clients that qualify for taking an alternative approach to controlling their insurance costs.

Our Alternative Risk Department is staffed with professionals who specialize in delivering proven choices for non-traditional insurance needs. Our primary services include:


	Guidance with overall captive structure-implementation

	Feasibility Studies & Business Plan Development

	Reinsurance Brokering

	Offshore Captive Administration & Financial Reporting

	Domicile Analysis and Negotiations

	Claims Management and Loss Reserve Analysis

We currently manage over $20 million in alterative risk program premiums across six different domiciles for a wide variety of clients, including banks, healthcare facilities, contractors, pharmaceutical manufacturers, restaurants, and others. We provide all of our services from our headquarters in Pittsburgh, Pennsylvania, and access the global actuarial and reinsurance markets with our Assurex Global partners.

If you think you are ready for an alternative to the traditional insurance marketplace, the HDH Group can provide an initial evaluation, at no charge, to help you determine if this is the right choice for you.

For more information, contact:
William Knox
wknox@hdhgroup.com
Direct Phone: 412-992-2860


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