Risk Financing and Captives Articles
Latest Articles
Reinsurance
When a Reinsurer Is the Real Party of Interest
2026-06-16 | Larry Schiffer
Larry Schiffer discusses reinsurance transactions where the reinsurer is either the real party of interest or takes responsibility for the ceded policy and controls the relationship with the underlying insured and how claims are handled.
Risk Financing Info
Beyond the Traditional Market: A Practical Guide to ART
2026-06-12 | Bob Whelan
Bob Whelan says proper alternative risk transfer (ART) involves understanding which structures fit, when they make sense, and how to implement them without unintended consequences.
Catastrophe Risk Management
The Role of Second Responders and Incident Command Systems in Disaster Recovery
2026-06-05 | John Putnam
John Putnam looks at the increasing importance of second responders in extreme weather events and the need to develop an incident command system before disaster strikes.
Risk Financing Info
Why Risk Management Programs Fail: Hidden Gaps Between Design and Execution
2026-06-05 | Bob Whelan
Risk programs rarely fail all at once; instead, they drift. Bob Whelan shows how organizations can move from a well-designed plan to one that performs consistently under real-world conditions.
Risk Financing Info
A Practical Framework for Uncovering Hidden Risks
2026-05-18 | Bob Whelan
Bob Whelan provides a method for finding your firm's unknown risks and offers ways to constructively and effectively deal with them.
Risk Financing Info
Evaluating Self-Insurance: Strategic, Financial, and Operational Considerations
2026-05-08 | Bob Whelan
Bob Whelan says that self-insurance can be a durable risk financing strategy for those organizations that properly assess that option and build the structure and have the discipline and governance required to support that decision.
Actuarial
Measuring Exposure in Business Insurance
2026-04-17 | Gordon Thompson
Understanding how your risk is measured and your premium is calculated is the first step to making smart insurance decisions. Gordon Thompson explains.
Reinsurance
Reinsurance Contract Drafting 101—Plain English
2026-04-03 | Larry Schiffer
Larry Schiffer discusses why drafting reinsurance contracts in clear and concise language is the right way to go.
Catastrophe Risk Management
Rethinking the Insurability of Natural Catastrophes
2026-02-27 | John Putnam
John Putnam revisits traditional insurability criteria, outlines current stressors, and proposes innovative approaches to address the many challenges posed by evolving climatic risks.
Catastrophe Risk Management
Dealing with Winter Storm Damage
2026-01-26 | Robin K Olson
In light of the devastating winter storms that hit the US in late January 2026, IRMI is providing advice on what damage is covered and tips on filing insurance claims.
Catastrophe Risk Management
The Role of Second Responders and Incident Command Systems in Disaster Recovery
2026-06-05 | John Putnam
Risk Financing Info
Why Risk Management Programs Fail: Hidden Gaps Between Design and Execution
2026-06-05 | Bob Whelan
Risk Financing Info
Evaluating Self-Insurance: Strategic, Financial, and Operational Considerations
2026-05-08 | Bob Whelan
Catastrophe Risk Management
Rethinking the Insurability of Natural Catastrophes
2026-02-27 | John Putnam
