Alternative Risk Transfer Insurance Mechanisms

Finite Premium: By combining traditional and alternative risk financing components, Finite environmental programs transfer the financial responsibilities associated with both known and unknown losses paid over a specific period of time. Properly structured, these programs can stabilize cash flow, provide broader coverage, long-term stability, greater financial flexibility, and lower the total cost of risk.
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Captives: A captive is an insurance company that primarily insures the risk of its owner and is actively managed by the owner and/or its insureds. Captives provide flexibly based, alternative risk management strategies through self-insurance.
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