Alternative Risk Transfer mechanisms are designed to help you retain underwriting profits and reduce insurance premiums paid under traditional plans. Your organization very well may benefit from an ART. Learn more in this 2-page overview.

1. CBIZ ALTERNATIVE RISK SOLUTIONS
National Alternative Risk/
Captive Insurance Practice
The CBIZ National Alternative Risk/Captive Insurance Practice Group is dedicated to the design,
implementation and management of alternative risk transfer (ART) mechanisms.
ART mechanisms are designed to help you retain underwriting profits and reduce insurance premiums
paid under traditional plans. Our extremely skilled staff has the expertise and resources to guide your
organization through this complex arena, ensuring you are utilizing the industry’s most efficient and
appropriate risk financing and insurance arrangements.
Opportunities include:
n High-Deductible Plans
n Qualified Self-Insured Plans
n Risk Retention Groups
n Retrospectively Rated Programs
n Reciprocal Arrangements
n Trust Arrangements
Traditional Market
48% of all commercial premiums
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Guaranteed
Cost
Dividend
Programs
Deductibles
our
www.cbiz.com
High
Deductibles
SIRS
n Pool Programs
n Risk Purchasing Groups
n Captives
Alternative Market
52% of all commercial premiums
Pool
Programs
Retro Plans
business is growing yours
Reciprocal
Qualified
Self-Insured
RRG
RPG
Trust
Arrangements
Captives

2. CBIZ ALTERNATIVE RISK SOLUTIONS
WHY CBIZ?
Our unique value proposition is that we provide
consultancy and solutions on an unbundled basis.
We are not tied to only certain alternative-risk service
providers or facilities. We do not bundle all service
platforms internally.
Our vast portfolio of alternative-risk facilities,
service providers, and legal/tax/actuarial
specialists provides you with customized
solutions created for your specific profiles,
goals and objectives.
ORGANIZATIONS THAT CAN BENEFIT FROM AN ART ARE HIGH-PERFORMING COMPANIES THAT:
n do not wish to pay high risk-management premiums
to cover the cost of low-performing companies whose
premiums are inadequate to pay their claims.
n desire access to underwriting profits and corresponding
investment income generated from current insurance
premiums.
n want more control of their destiny in the areas of claims
management and risk management, as well as with
whom they share risk.
n demand stability and predictability in their risk
financing, as well as adequate capacity to insure their
organizational risks.
These are some of the main reasons the ART segment of the
commercial insurance industry has grown at more than 200
times the rate of the traditional market in the past 15 years.
In fact, the ART market now constitutes over 50 percent of all
commercial insurance premiums.
The professionals of the CBIZ National Alternative Risk/
Captive Insurance Practice Group would enjoy the opportunity
to discuss how we can help your organization become part of
this growing segment of the industry and maximize the use of
your risk-management premium dollars.
Mr. Courtney W. Claflin is CBIZ’s National Captive Insurance Practice Leader. In his 29-year career,
Mr. Claflin has developed a methodology and history of most efficiently identifying, quantifying, financing
and managing clients’ risks. He has designed captive insurance and alternative risk financing programs for
firms with as few as 50 employees and has worked with Fortune 100 companies. Mr. Claflin has served
on both national and international captive insurance company boards of directors and has participated in
the formation of numerous privately held captive insurance companies.
Contact Courtney Claflin today to learn how CBIZ can help your business succeed.
612.436.4614 | cclaflin@cbiz.com | www.cbiz.com