At Alternative Risk Transfer (ART), we specialize in creating bespoke insurance, captive reinsurance and other innovative non-traditional risk management solutions tailored to meet the unique needs of corporate clients worldwide.
Alternative Risk Transfer
Our expertise lies in helping businesses navigate complex and evolving risks with customized, multi-year, and multi-line contracts designed for long-term protection.
What is Alternative Risk Transfer?
Alternative Risk Transfer is another way of looking at risk
It describes all manner of risk transfer and retention alternative solutions that do not fit the conventional traditional insurance model and is growing in popularity as multinational companies seek tailored flexibility for a growing number of risk scenarios.
A glossary
Explore key terms and phrases, from catastrophe bonds to virtual captives:
What sets Alternative Risk Transfer apart from traditional risk management solutions?
Watch the video below to find out more.
Why your business needs alternative risk solutions
We collaborate closely with you to deliver tailored risk solutions, expert insights, and strategic advice designed to meet your unique needs. Together, we address your specific challenges and guide you through even the most complex risks affecting your business.
With our alternative risk transfer solutions, you can:
Reduce volatility in profit and loss caused by unexpected events
Stabilize earnings over several years
Tailor your insurance program to meet your specific needs
Include non-conventional risks in your overall risk transfer / risk financing strategy
Alternative Risk Transfer solutions at Allianz
At Allianz Commercial, we specialize in creating unique and creative risk management solutions using traditional and non-traditional insurance methods. We offer a broad range of risk transfer, risk financing and retention solutions, such as parametrics, captives, capital solutions, retention financing or structured re/insurance.
Find out more about our structured and captive solutions:
Structured Solutions
Multi-year and/or multi-line solutions which help realize the benefits from retaining risk while providing contract certainty and financial stability
Structured innovative insurance programs are tailored solutions, designed to respond to a client’s particular risk management needs. The multi-year and / or multi-line nature of these solutions means the client is able to manage the volatility emanating from partially retained risks efficiently over longer periods.
These programs often include profit sharing elements and can also include risks for which traditional insurance is unavailable and / or emerging risks.
Best of both worlds: Establishing a multi-year custom D&O solution
A leading global company in the aviation industry was looking to purchase Side A, B & C coverage in a Director’s and Officer’s (D&O) policy. Leveraging cross-functional collaboration, an ART team developed a multi-year structured D&O insurance policy comprising a unique blend of alternative and conventional Financial Lines risk transfer layering. The solution was based on a minimum five-year term, agreed alongside automatic extensions determined by the achievement of pre-set KPIs.
Key benefits
The client was able to
Captive Solutions / Captive Fronting
A broad offering for multinational companies operating an inhouse insurance program. A truly global approach, with or without risk transfer
Captive Fronting draws on our considerable experience in insurance program design and management to deliver a range of global fronting solutions. From coordinated standalone local placements to fully integrated international insurance programs we adopt a modular approach to program design to ensure our captive clients are fully covered wherever their business takes them.
Our extensive network, comprising of Allianz offices and trusted partners in over 200 countries and territories, provides comprehensive expertise in underwriting, risk management, policy servicing, and claims globally.
We also provide a wide range of ‘unbundled’ solutions for captives such as reinsurance, stop-loss mechanisms to protect the captive retention, or supporting a captive with additional structured solutions for specific risks.
Captive fronting and reinsurance solution in a consistent global approach: 12 lines covered in one single transaction
A multi-billion, global pharmaceutical company was grappling with increasing risk transfer costs combined with a fragmented global program approach. The ART team took the time to diligently understand the client’s requirements and developed a consistent, compliant captive fronting and reinsurance solution for 12 lines of business across a significant global footprint. Lines of business included for example, Property, General Liability, Cyber, D&O, Environmental Pollution, Contractors All Risks and Marine Cargo.
Key benefits
The client was able to
Explore Alternative Risk Transfer offered by Allianz Commercial
Allianz Commercial will consider every risk on its own merit. Capacity and coverage offered to individual clients are subject to hazard, Nat Cat exposure, grading, terms and conditions. The products and services described on this page may not be available at all Allianz Commercial locations. This is for your general information only. Please contact your local broker for full information on local product availability.
Meet our alternative risk transfer experts
Brian McNamara
Global Head of Captive Solutions, Regional Head of Multinational North America & Latin America
All the latest news, reports and hot topics
Why choose Allianz Commercial as
your partner?
At Allianz Commercial, we're a global powerhouse, that brings together the best for our customers — from mid-sized businesses to the largest multinationals
We have a tradition of 100+ years of technical expertise
We cover more than 21,000 local policies worldwide
Key benefits for our brokers and clients
- Global consistency, local expertise: Access to top regional experts for a consistent, high-quality experience worldwide.
- Speed and clarity: Streamlined communication and rapid go-to-market for faster results.
- Direct, empowered access: Work with coordinated teams for seamless sales, account management and underwriting.
- Comprehensive risk solutions: Market-leading options for traditional and alternative risks with a consistent global approach.
- Specialized expertise for complex risks: Global hubs support specialty and wholesale needs, including large, complex risks.
- Solutions for every size: From mid-market to multinational, we cover the entire market.