Risk Financing and Captives Articles

Latest Articles

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.

Reinsurance

Special Termination Provisions in Reinsurance Contracts

2025-12-19 | Larry Schiffer

Larry Schiffer explores the special termination clause, its purpose, and how it has evolved.

Catastrophe Risk Management

Risk Scoring and Mapping Are Reshaping Property Insurance

2025-11-21 | John Putnam

John Putnam takes a deeper look at past personal property insurance underwriting practices and evolving rating tools from an insurance agent's perspective.