Risk Optimization

At Beecher Carlson, we take a different approach to how you view, analyze, and purchase insurance.

A thorough analysis of your overall insurance program needs to be done to ensure it appropriately meets your organization's total risk appetite and aligns with your strategic business goals.

At Beecher Carlson, we take a different approach to how to view, analyze, and finance risk. Our proprietary process called Risk Aligned Financing Technique, RAFT for short, can help your organization identify and quantify your risks, determine your risk appetite, and, ultimately, design and implement an optimized risk financing strategy.

After your risk portfolio has been quantified and the risk appetite is defined, we help you design an optimized risk financing strategy. Possible strategies include: increasing risk retention through the use of a captive, increasing or decreasing limits of insurance, blending various lines of coverage in an integrated program, or possibly transferring more risk.