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Our Approach to Risk Finance

Hollard Risk Capital takes a 4-pronged analysis approach to developing fully integrated risk financing programmes:

1. Organisational analysis

The objective is to completely understand your organisation’s strategic direction. This enables us to design a risk financing programme that will add value to those goals and objectives.

2. Risk exposure analysis

We analyse your organisation's existing exposures across the total risk spectrum, to identify where you might not be protected, or might not be adequately protected. We also consider alternative means to hedge against exposures that are not typically insurable.

3. Financial analysis

We interpret your company’s most recently published annual financial statements to assess your capacity to absorb losses without materially affecting the financial status of the company. This assessment gives us a point of departure to investigate in conjunction with management rather than a definite.

4. Statistical (claims) analysis

We analyse the losses you may have sustained over the past three years. This allows us to identify the predictable loss patterns for which provision has to be made (see Retention in the Risk Management Model).

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